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Jun 30, 2016 Have you been tempted to take out a small $500.00 loan from a payday lender to hold you over for a couple of weeks? Before you take any action on that thought, please read this article. You do not want to fall into the payday loan trap. It's a trap because it is almost impossible to get out of. According to the 

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“The State of Lending in America and Its Impact on US Households,” 10. loans appeared, andfamilies grabbed hold: See note on p. increased (206–8). the savings ratefor the averagefamily was approaching zero: The Two-Income Trap, 113. sucked in people who were in a crunch: Borrowing from payday lenders, virtually