Your payday loan linkback spam is not welcome here.

I have no problems with a payday loan.

So Matthews, I guess you're on here to promote your PayDay loan services - Correct? That said, what makes yours so much more special then all the other junkies on the market? (Not that I'd use any of them anyway)

O.C.

Hate to say it, but the issue here is not the industry, it's the people who abuse it. If you're stupid enough to dig yourself into a massive hole using these services, it's your fault. It's like the people complaining about McDonalds making them fat. It's your choice. I've needed to use them in the past. My car did break down and I didn't have any other appropriate solution how to get to work and I could not afford to miss any more days. So I feel the can help me very much to keep my job. But I paid it off on time and didn't go back to get another one next week.

personally i don't have any problems with the payday loans..Yeah their interest rates are high, but it prevented me from paying bills late.I think they are fine for occasional use IF you understand what you are doing and don't take out more money then you need.

I used QuickPayDay several times in the past and it helped me out when I was in a bind.BUT it was never for more than $500 and I made sure to pay them back with my next paycheck so I never got into debt or in any kind of trouble.These kinds of payday loans are really only good for smaller amounts of money, when you are in a bind, need a little cash quickly, and if you pay it back as fast as possible.

Have you used a payday loan company?
Did you know that some of them charge 60% interest and they also have extremely high service fees.

It seems that payday loan companies are popping up all over the place. It's a convenient source of money. Is it too convenient?

Tell us about your payday loan experience in Canada.

Some of the payday loan companies that I can think of are National Money Mart, payday loan company.

These companies are regulated by the Provincial government Trust and Loans Act or similar in your province.

• British Columbia
? Alberta
? Saskatchewan
? Manitoba
? Ontario
? Quebec
? Newfoundland
? New Brunswick
? Nova Scotia
? Prince Edward Island