Is not towards contest, It more towards all those companies that advertizes fast payday loans, when they want the loans paid off in full by the next month. Some people don't make the kind of money that would make that practical for most people these days.And even If they were making a big paycheck, they wouldn't necessarily have to be going out and try and get a loan in the first place, now would they! I mean if they can show that they have the means to be able to pay a loans back way are there so many road blocks in the process of getting a loans over the internet? It more convenient for us people who are home bound, and can't get to their offices by bus, cause the bus doesn't stop in front of their offices, like most people who can drive to an office mall.