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Payday Loans Lenders Target Middle-Income Households?

San Diego, CA (WiredPRNews.com) Analysts estimate that more than 19 million U.S. households use a payday loan each year.

Recent studies have alleged that payday lenders target communities with high populations of military, Hispanics, the elderly, women, young peoples, African Americans, recent immigrants, social security recipients, veterans, the poor, conservative Christians and even middle-class households with $48,000 annual income. Who’s left?

Fact is payday loans don’t target anyone but are made available to a broad cross section of American citizens of legal age who may need cash for unplanned for emergencies.

Research shows payday advance customers to be middle-income, educated, working families, more than half earning between $25,000 and $50,000 annually, 58 percent being college graduates, and one in five having a bachelor’s degree.

Contrary to popular beliefs, payday advance customers are not the unbanked, as 100 percent have a checking account at a credit union or bank, but turn to payday lenders for a low cost short-term credit during unexpected or non budgeted for expenses that require cash between paychecks, and to avoid bouncing checks or accruing late or overdraft protection fees.

Payday lenders provide a service that is better than bouncing a check or getting credit card fees to a broad demographic segment and cannot be grouped based on race, sex, social status or religion. To get a payday loan, all you need is a valid bank account and proof of employment.

Payday loans online with no credit checks needed. Apply in 5 minutes, get cash wired to your bank account the next business day! Fast approval, no fax required, safe, secure and confidential. http://www.faxlesscash.me

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Tags: payday advance, payday express, payday lenders, payday lending, payday loans
April 15, 2011   okothben
Personal Finance, Press Releases payday advance, payday express, payday lenders, payday lending, payday loans
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