The thing is that most people who take a payday loan do so because of an emergency need such as a doctor bill, car repair, or rent shortfall. Then they are stuc

The thing is that most people who take a payday loan do so because of an emergency need such as a doctor bill, car repair, or rent shortfall. Then they are stuck because suddenly next months pay is already being spent today and its more expensive. About 85% of the traffic is repeat customers from what I observed when I built the online systems that would process these applications