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These deferred deposit businesses, as they are also known, will cash paychecks in advance and give the borrower two weeks to pay the loan back plus a hefty fee.
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Coleman has introduced legislation to control the industry in his state.
If you cannot or do not repay the loan, the lender can seek a money judgment against you for the face amount of the check and court costs; and, if they were disclosed in the contract, any late charges, interest after maturity, and NSF fees.
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Make a realistic budget, and figure your monthly and daily expenditures.
If you have not renewed the loan or paid it in full, make sure you have sufficient funds in your checking account on the due date of the loan so your check clears when the lender deposits it.
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