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Nov 26, 2013 I have long thought that what this market really needs is more price competition. The storefront, payday-lending operation is highly inefficient. The cost of the stores and staff needed to offer these loans is significant. So are the losses when borrowers default. Banks, on the other hand, already have physical 

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Whether you choose to work with a credit counselor or tackle the payday loan repayment on your own, another option is to seek alternative lenders who may be able to assist with getting you out of the payday .. You need excellent credit to get this card and you can only transfer debt that is not already at Bank of America.