Pay Day America was great in my time of need, I continued to use there service's but soon i found out i was being charged aggreice charges for services that don't make sense, such as the 1.00 debit fee, there's no ATM to take out your money at, they have a 2 dollar loading fee when using there card, there's a 2 dollar fee for all direct deposits, it's a completely loop hole if your desperate they will give you a loan but be careful and ask all the extra questions.