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The so-called payday loan is referred to one or two weeks of short-term loans, the borrower pledges himself in the payday loan expires later, if unable to pay off the loan principal and interest, can put forward delay. Whether the payday loans suit to consumers? 2011 payday loans online hub already appeared to grow continuously. Payday loans online hub has more and more people to participate and join; people are easy to obtain the short-term loan. The use of payday loans, online payday loan lenders, and direct a payday lender both substantially in the form of growth. The growth of the debate have been flowing into these loans is whether good or not. Now payday loans online hub provides attractive features, application procedure takes about 2 minutes, in most cases, the time it takes from a payday loan application, and receipt of your bank account clearing cash, can take less than an hour, you can have a bad credit rating, and still get approval. This is a higher interest rate than you would expect to pay, in an attractive characteristic is the price such as bank institute. A payday loan charges usually for every 100 pounds 25 pounds, so use the actual loan cost will reach 25%. It will be a 30 day period. Typical of the loans will be about 1737%, this is not very useful, as the APR display loan interest payable interest rates, if taken a year, instead of 30 days. There are many payday loans compared it can be used to compare the fact table. Why payday loans have been a number of controversial causes was mainly due to the recent TV ads high annual interest rate, from lender advertising as the annual interest rate 4024%. Have even called for a ban on online payday loan lenders or direct a payday lender some members of congress. This is an incorrect way, because there are a lot of people, those who find payday loans are very useful. With poor credit history, need immediate cash, in order to get cash, they can let people in a tense situation, such as some loan provider hour fast. A payday loan, the lender is for you or for you good, will depend on your situation. They do work for most people, but some people incorrectly use them, and eventually lose control of its debt. Either way, definitely prohibited payday loan is wrong, because it should be a personal decision, if a payday loan is right, they are not politicians.