P.I.E. logo

P.I.E.

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This is a cooking blog featuring pie recipes, not a financial services company. The website URL points to 101 Cookbooks, a food and recipe publication.

Data compiled from public sources

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P.I.E. Review

P.I.E. appears to be a miscategorized entry in the CreditDoc database. The website provided (https://www.101cookbooks.com/pie-recipes/) is a cooking blog post from 101 Cookbooks, a well-known food website that publishes recipes and culinary content. The content consists entirely of pie recipes, baking techniques, and cooking instructions with no financial services, lending products, credit offerings, or payday alternative services of any kind. The page showcases 12 pie recipes ranging from traditional pumpkin and apple pies to savory options like vegetable pot pie and mushroom hand pies, along with detailed instructions for pie crust preparation. There is no mention of loans, credit products, emergency cash, financial counseling, or any regulated financial services. The only commercial element present is a membership offering for 101 Cookbooks premium content, which includes ad-free browsing and downloadable recipe collections. This is entirely incompatible with any consumer finance category and appears to be a data entry error or incorrect URL assignment in the CreditDoc system.

As a financial institution, this lender competes with both traditional banks and newer fintech personal loan lenders in the consumer lending space. Borrowers seeking personal loans for bad credit may find more flexible terms through online lenders, while those focused on simplifying payments may benefit from debt consolidation loans with fixed rates. Credit union installment loans and CDFI products typically offer APRs well below payday rates, with structured repayment over several months.

Services & Features

101 Cookbooks premium membership (ad-free content, printable recipes, PDF collections)
All-butter pie crust instructions
Apple cinnamon hand pie recipe
Apple pie with rose water filling
Buttermilk pie with maple sweetening
Coconut cream pie recipe
Mixed berry pie instructions
Pie recipe blog posts
Pumpkin pie recipe with five-spice blend
Shaker lemon pie using whole lemons
Vegan shepherd's pie with Indian spices
Vegetable pot pie recipe

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Not-for-profit — typically lower fees and better rates than banks
  • NCUA insured — deposits protected up to $250,000
  • Established in 1971
  • Member-owned cooperative

Cons

  • Not a financial services company—this is a food/recipe website
  • No lending products, credit services, or financial offerings of any kind
  • Miscategorized in payday-alternatives when it belongs in a non-financial category

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Frequently Asked Questions

What services does P.I.E. offer?

P.I.E. offers 12 services including Pie recipe blog posts, All-butter pie crust instructions, Pumpkin pie recipe with five-spice blend, Apple pie with rose water filling, Vegetable pot pie recipe, and 7 more.

What profile signals are listed for P.I.E.?

P.I.E. has profile signals associated with Lower fees and better loan rates than banks, Member-owned cooperative banking, Community-focused financial services.

What are the strengths and weaknesses of P.I.E.?

Key strengths: Not-for-profit — typically lower fees and better rates than banks; NCUA insured — deposits protected up to $250,000; Established in 1971. Areas to consider: Not a financial services company—this is a food/recipe website; No lending products, credit services, or financial offerings of any kind.

How does P.I.E. compare to similar companies?

In the Payday Alternatives category, comparable providers include BMG Money, Business Consortium Fund, Kashable. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1971
Headquarters
,
BBB Accredited
No
Certifications
NCUA Insured Charter #66582
Visit P.I.E.

CreditDoc Profile Note

Research Note on P.I.E.

This is not a financial services company and should not be listed in CreditDoc. The website is a cooking blog offering pie recipes and baking instruction. Immediate recategorization or removal from the database is necessary.

Profile Signals

  • Lower fees and better loan rates than banks
  • Member-owned cooperative banking
  • Community-focused financial services
Updated 2026-05-08

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Quick Summary

  • P.I.E. is listed as a Payday Alternatives provider on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Next Steps

Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Is a Good Credit Score and Why Your Tier Matters (2026) Learn the basics Start the free Credit Fundamentals course.

Financial Wellness Guides

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Financial Terms Explained (10 terms)

New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.

Interest & Rates

APR — Annual Percentage Rate

The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.

Why it matters

Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.

Example

You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.

Compound Interest

Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.

Why it matters

Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.

Example

You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.

MAPR — Military Annual Percentage Rate

A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.

Why it matters

The Military Lending Act protects active-duty servicemembers and their families from high-cost lending. Any lender charging above 36% MAPR to military is breaking federal law.

Example

A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.

Usury Rate — Usury Rate (Interest Rate Cap)

The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.

Why it matters

Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.

Example

New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.

How Loans Work

Collateral — Loan Collateral

An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.

Why it matters

Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.

Example

A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.

Fees & Costs

Late Fee — Late Payment Fee

A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.

Why it matters

The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.

Example

Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.

NSF Fee — Non-Sufficient Funds Fee

A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'

Why it matters

NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.

Example

Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.

Legal Terms

Usury — Usury (Illegal Interest)

The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.

Why it matters

If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.

Example

Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you may only be required to repay the principal — no interest or fees.

Credit Cards

Cash Advance — Credit Card Cash Advance

Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.

Why it matters

Cash advances are a repeat-borrowing risk: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.

Example

You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.

Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.

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