We fell on hard times this yr and for the first time tried to get a Payday loan over the internet, wow!!! is all I have to say... they never never answer you! They just send yur personal info around to just about everyone including education, car loan companies . We are getting text messages, people calling the home at 3:00 A.M. to sell us things, its just crazy...and all we wanted was a few hundred dollars for the holidays, just until payday!!! WOW!!! How legal is this????