When I worked in retail I was always short on cash sometime during the month. I used a pay day loan service because really I had no choice, it was either be charged late fees or take out that loan. I can see though where people will abuse them, they take out the loan for silly things like electronics or shopping. Not for things they really need.

But, payday loans are a huge help to people who have to live paycheck to paycheck. Lenders, landlords and other bill collectors don’t care if you get paid 3 days after the bill is due, they want there money a week before that anyway. Payday loans can help with that. I know my cell and my car insurance would have been canceled a few times if I wasn’t able to use a payday loan service. I knew the problems with them and I did get stuck in that wonderful cycle of having to take one out every two weeks for about 2 months. But I got back on track and was better for it.

I see where people think they need to go away, as some people do abuse them. but they are such a huge help in a world that really just doesn’t care about anyone anymore.

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