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Payday loans can help you get cash fast. However, many come with high interest rates and other fees that can leave people struggling with debt. Sometimes people feel like they’re on the wall and need the money fast.

“It’s an opportunity to get money to consumers by the end of the week,” said Viridiana Quintana of the San Diego Better Business Bureau. “Until they get their paychecks.”

now says the BBB These ads appear on social media sites like Tiktok and Instagram or Facebook and target younger audiences. It’s an audience that might not know about the risks of a so-called payday loan.

“They can incur this type of debt without realizing that they incurred incredibly high fees that they didn’t directly see in the publication,” Quintana said.

The BBB warns that some videos or ads may refer to interest rates as “tips” or “fees.” It also points out that a $15 fee for borrowing $100 equates to nearly 400% APR.

“Often they have different types of fees that you have to pay,” Quintana said. “That’s where it really starts to accumulate.”

Quintana says you shouldn’t take social media ads at face value. Instead, you should do your own research before agreeing to anything.

“Even seeing if someone else commented and said something,” Quintana said. “Is it positive or negative?”

Experts also recommend talking to teenagers or young adults in your family to help them avoid falling for predatory lending practices.