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It might seem that taking out a payday loan for bad credit management purposes is the only viable option before ruptcy, but that is not true. There are other solutions to the problem.
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Not every payday loan lender is the same. Each lender is going to have their own qualifications and fees. Lenders are regulated according to their state, so there is a limit to how much they can charge you in interest, but it's a good idea to call several lenders and shop for the best interest rate for you and your situation. Interest rates, or APRs, will let you know how much you will truly be paying back when your payments fall due.
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