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However, most payday loan users have income well below this level. More than 70 have a household income of less than 40,000. People in this group are three times as likely to use payday loans as people with incomes of 50,000 or more. Renters. People who rent are much more likely to use payday loans than people who own their homes.
About 35 of American adults are renters, but 58 bank mobile cash advance limit payday borrowers are. About 1 out of 10 renters has used a payday loan in the past year. Relatively Uneducated. More than half of all payday loan users have no education beyond high school.
23 APR. ARE THERE ANY FEES. Our services will always be provided free of charge, but that is not to say that the lender will give you a loan for free. Your lender will charge you fees andor interest and must provide you with full disclosure of their loan terms upon approval. It is then your responsibility to read through the terms before signing your loan agreement. WHAT IF I NEED TO MAKE A LATE PAYMENT. Late Payment penalties differ from lender to lender. Lenders may be forgiving if you contact them directly, though some may automatically add a fee if it is in their agreement.