Emily decided to apply for a cash advance payday loan. She knew it would be foolish simply to trust a lender of these loans for information. Searching on the internet, she found a website that did not belong to a payday advance loan lender, but instead reviewed the payday loan lenders. -------------------------------------------------------------------------------- She visited the website of online payday advance loan lender that was rated particularly well. Emily knows there are a lot of cheats on the web, so she was careful. Here?s what she looked for: The loan company?s website had a link to the Better Business Bureau. Clicking on the link, Emily saw the company?s record: member in good standing with no unresolved complaints. The loan company?s application clearly stated what the fees were, and what the annual percentage rate (APR) was. It also stated what penalties Emily would have to pay if she did not pay back the loan on time. Looking at a few other websites, Emily saw that the original loan company?s loan terms, fees, and interest rates were competitive. She double-checked that her upcoming paycheck would be enough to cover all her outstanding bills. She then checked into all the bills she would have to pay in between her upcoming paycheck and the one after that. After all, with her next paycheck going to repay the payday advance loan, she would need to make sure there was enough money left over to pay her remaining bills. She didn?t want to have to take out another loan after that. Emily figured out that she would have $300 left over after she paid all the bills between now and the next month?s paycheck. Living for 40 days on only $300 would be a challenge. But she decided

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