(This was as of early 2019; state regulations proceed to evolve). [newline]Another cause for repeat use is that a median loan requires a $430 payment on the following payday and most borrowers aren't in a position to pay that and should renew or re-borrow the loan. https://wiki.conspiracycraft.net/index.php?title=Four_Reasons_Your_Payday_Loan_Is_Not_What_It_Must_Be