So by now most folks know that payday loans are never worth the time it takes to get one. Once you get them, you practically cannot get out of them. Zip19 issues payday loans without any sort of "pay-down" schedule. Instead, they will remove the entire loan amount plus the service fees in two equal amounts (basically they take the total, cut it in half and then remove them both at the same time). The reason for this? The only answer is so that if the funds are not availabe in your account, then they can charge you TWO NSF fee... read full review »