text: Payday loan services are worse than loan sharks.  Do NOT get one of those.  Because there is a limit on the interest rate a financing entity can charge, they get around it by charging "service fees" instead.  You can end up paying 50% interest on your money with those outfits.  At some point, the government will wake up and shut them down.  Until then, the only way to try to get rid of them is to not use them.\n\nIf you need some extra cash, getting a job might be a good idea.