When I worked at a retail store (in Idaho), a fellow worker (non-Mormon) used these payday loans ALL THE TIME. She usually borrowed $200 to $300 at a time, and was paying 16% for each 2-week loan. She was contantly rolling over her loans, paying just the interest ($32 for a $200 loan, and $48 for a $300 loan, for example).
I watched her do this for MONTHS. She was not shy about talking to u
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