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Even when you absolutely need some extra cash to make it through the month, theres almost always a better way of getting it than turning to a payday loan shark. The Payday Lending Industry. Payday lending is a big business. The Community Financial Services Association of America (CFSA) boasts more than 20,000 member locations more than either Starbucks or McDonalds.

About 19 million American households (nearly one out of every six in the country) have taken out a payday loan at some point. How Payday Loans Work.

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