I have asked it as can, they can justify such huge percentage payments. Its answer was, "As we can. There are openings there which allow us to do it. It is the loan of high risk for the majority of cases, thus, we should charge enough to cover unprofitable loans and to get profit." When it is asked about if loans to a pay - ever good idea, its answer "has been assured. For example, if you are late on payment on a credit card 70$. 00 the penalty for delay of payment 30$ also will be collected. 00 then APRIL of the loan to a pay justifies reception of that. You will rescue points if you obtain the loan to a pay and do not pay higher interest rate of the penalty for payment delay." When you should reach, day of payment loan:There - times when loans to a pay are justified as is discussed above. The basic example when your penalties for payment delay are more expensive than penalties for the payment delay, paid to your creditors. Other non-material justification consists in when you can avoid to be informed for last payment. It can be much more expensive than any payment for the loan to a pay in which it could mention cost which you pay for the future loans. It is especially true, if it is your mortgage or automobile payments.