It's far from uncommon for people to find themselves short of ready cash towards the end of the month. Unexpected expenses, unanticipated repair bills, a temporary dip in income, even a moment of weakness leading to excessive spending - all of these can conspire to mean that your money runs out completely some time before your next payday, leaving a cash gap that you need to negotiate somehow.
Since time immemorial there have been facilities available to help people get through lean times, from traditional pawn shops and check cashing services right back to the biblical money lenders. Today's widely hyped solution to the month end cash crunch is the online payday loan, which is often touted as the perfect solution to the problem. But is this really the case?
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