I just had a revelation, about payday loans of course. People don't stay and look for the best thing to get some money, they always look for the easyest way to get them. And it is no hidden fact that payday loans are extremly easy to get, if you have a stady job and a good paycheck no lender will say no, you can have more than one loan and you can do anything you want with the money. If you want to get money from the bank this will me less expensive but more time consuming, because they will talk to you about what you want to spend the money on, why do you need it, they will find out your credit score and so on. Bad credit score equals no credit from banks. If you don't pay your bills on time and are on constantly delaying the payments the bank will have acces to this info and it will not approve your loan request. So people got tyred of banks and they started going on to the payday lenders, easy as this the payday lenders got richer and richer, and they won't stop getting the money because everybody need a loan.
FOR THE LAST TIME: GO FOR THE CHEAPEST SOLUTION TO GET SOME MONEY NOT TO THE EASYEST, easy = expensive!
Happy new year! :D