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By contrast, people over 60 years old are unlikely to use payday loans. About 24 of all Americans are 60 or older, but only 11 of payday borrowers are. African-American. Most payday borrowers are white, but thats because white people are such a large group.
African-Americans, who make up only 12 of the population, take out nearly a quarter of all payday loans. Roughly 1 in 8 African-American adults have used a payday loan in the past five years, compared to only 1 in 25 white adults. Low-Income. The median household income in the country was 53,657 in 2014, according to the Census Bureau. However, most payday loan users have income well below this personal loan easy to get.
You borrow 500. You pay a 75 fee to get the money. But in two weeks you cannot repay the loan. You pay another 75 to roll over the loan. But in two more weeks, you still cannot repay the loan. Every two weeks, you pay another 75 fee. You might pay the lender more in fees than you first borrowed.