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You should look for other options. (See ldquo;What can I do besides take out a payday loanrdquo; section below.) Payday loans cost a lot. They are hard to pay back on a tight budget. You could be stuck in a cycle of debt by using one payday loan to pay off another. A financial emergency is a highly stressful situation. If you’re facing loan payments, medical expenses, or repair costs you just can’t afford, you may feel helpless and unsure of what to do. While there’s no easy fix for this type of situation, there are a few paths that you can consider: Payday loans are made by payday loan stores, or at stores that sell other financial services, such as check cashing, title loans, rent-to-own and pawn, depending on state licensing requirements. Loans are made via websites and mobile devices. CFPB found 15,766 payday loan stores operating in 2015.