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Our products are designed for personal loans exclusively and are aimed to help individuals. Loans should be used for short-term financial needs only, and not as a long-term solution. If your debt is substantial, you might consider utilising a debt consolidator, or asking friends or family for financial assistance. We may also exercise any of our rights under our loan or credit services How do payday loan stores work with you. By using this website you agree not to submit, post or transmit any defamatory, abusive, obscene, threatening or illegal material, or any other material that infringes on the ability of others to enjoy this website or that infringes on the rights of others. We understand that for many, taking on a payday loan isn't an impulse, but a requirement of their circumstances. But the lender began a series of automatic withdrawals, assessing a $90 finance charge each time. Some banks may offer short-term loans for small amounts at competitive rates.