Hi Amy,

I think payday lenders should be used only if it’s the last resort and only if the loan can be repaid when due without extending it. There are many options to payday lending. You might apply for an overdraft line of credit for your checking account. The transactions free and interest rate for these are very reasonable and allows payback over time if needed.

You might also try taking a cash advance on a credit card, again it would be less costly but try to repay it on payday.

I see too many people getting caught up in the payday lending cycle and it’s really hard to break it. See your financial institution if you feel you need help.