The US economy just isn't what it used to be. After the recession hit in 2008, many families were left without steady incomes. The road to economic recovery has been a slow and traitorous one. The unemployment rate is still high, and not improving. Economists predict a double dip recession, thanks to zero job growth, stock market losses, and the downgrade of the US credit rating. All of this economic instability has created an inflated job market, with many Americans fighting over positions with menial salaries.
Living from paycheck to paycheck, as the majority of Americans do, on a small salary is difficult with even the strictest budget. Living off of credit and menial paychecks does not leave room for emergency expenses. There are things you can't plan for, and expenses that arise unexpectedly. The American economy might not be working in your favor, but at least you have the freedom and ability to apply for a payday loan. You may suffer from a terrible toothache that requires immediate attention, or you may just want to purchase a pair of really pretty shoes that won't be in stores much longer. Whatever the case may be, as an American you have the right to spend money on what you choose. In the US you can apply for an online payday loan from any payday loan website.
US payday loans are heavily regulated by state governments. This is to ensure that the short-term cash loans do not create a cycle of debt for the borrower. All US payday loans charge fees and interest rates, but the rate is determined by the state in which the online cash advance lender is licensed to practice business. The amount you can borrow with an online cash advance is universal across the US, and is determined by a variety of factors. The typical amount borrowed using online payday loans is between $100 and $1,500.
The typical fee for a US payday loan is 25%, so if you borrow $100 you should expect to pay back around $125. US payday loans websites will post the annual interest rate or APR, but US payday loans are not allowed to rollover, so annual interest does not apply. With US payday loans, you can apply online and get approved instantly. The money is wired to your account within 24 business hours, which you can then spend however you choose.
Resource page: http://www.jimmypayday.com/us-payday-loans
US Payday Loans: What It's like to Borrow in The States