*snort*
Around here, we refer to payday loan folks as loan sharks. I know few who've never had to use it.
But it's capped based on your income. It just puts you in a hole if you use it for, say MEDICAL EMERGENCIES like no teeth don't tell me having no teeth isn't an emergency unless you're unemployed or work with dead animalsand you get behinder and behinder. They just don't nail your knees to the floor.
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