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According to the FTC, borrowers were not told that they would have to repay the loan in 30 days and that payment had to be made using certified funds, as opposed to cash or a personal check, in order to receive that rate.
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(not I'm off to find out if I can purge my account from them).
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Beyond that lenders are not affirmatively authorized to charge for more than 15% interest on the cash they provide.
The CFA releases a report showing payday lenders have changed course again, using Internet loans to dodge state usury caps.
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I would try using a different email address.
In all cases the cheepest way to buy something is to saver your money and pay all at once.
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It filled the newspapers with column upon column of sensational stories.