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Payday Loans Provide a Necessary Service
By Roger Overanout

I think Payday Loans are both necessary and provide a valuable service regardless of the perceived problems of high charges, first lets clarify what Payday Loans provide, short-term cash advances until the next payday.

The typical charges for this type of loan are of the order of $15-$20 per hundred dollars borrowed so if you took a $250 loan the charge could be as much as $50 for a 30 day loan, this is equal to 240% APR, with such high rates one has to ask why is this industry growing so rapidly.

The answer is that it is providing a service that is required, at a price that the consumers can afford; the actual APR is of no great interest to the customer their only concern is...
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