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Only 16 say they borrowed the money for an unplanned, one-time expense. When Pew asked people what they would do if they couldnt use payday loans, they gave a variety of answers. More than 80 said they would cut back on basic expenses, such as food and clothing.
More than half also said they would pawn something or borrow from friends and family. However, most users did not say they would use credit cards or take out bank loans possibly because many dont have good enough credit to qualify. Dangers of Payday Loans. The most obvious problem with payday loans is their extremely high interest rates.