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50. The cost is made up of an 15 establishment fee and a 4 monthly fee.
But according to the Pew survey, most users dont use them that way. Nearly 70 of first-time borrowers say they took out their loans to help pay for basic needs, such as rent, food, utilities, or credit card bills.
Only 16 say they borrowed the money for an unplanned, one-time expense. When Pew asked people what they would do if they couldnt use payday loans, they gave a variety of answers. More than 80 said they would cut back on basic expenses, such as food and clothing.
More than half also said they would pawn something or borrow from friends and family. However, most users did not say they would use credit cards or take out bank loans possibly because many dont have good enough credit to qualify.