However, the various researches undertaken within years, contradict representation that loans to a pay are predatory, and on the borrower always hunt. Actually, recent researches have shown to the borrowers preferring the loans to a pay to other alternatives of the loan. The huge Annual interest rate (APRIL), in a range of 391 % and above often does it intriguing concerning people who choose these loans. But the researches spent everywhere on States, show that people from all groups of a society consider cash advance payment of the loan to a pay as a possible choice to meet their financial requirements. The American message on census 2000 shows that 22 % of the considered borrowers of the loan to a pay hold degree of the bachelor from college. It is more than two thirds of people have considered, has informed the revenue minimum 25 555$ and has the savings account. Besides, 51 % of the considered population had a plan of savings of resignation. Considering the industrial statement, apparently, that at the client of cash advance payment of day of payment is more than the average level of formation than the general American population. The typical client of the loan to a pay between 25 - 40 years of age also has the revenue between 25 000$ and 50 000$.