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Payday loans are short-term loans that are typically used to cover unexpected expenses or to bridge the gap between paychecks. These loans are typically offered by small, non-bank lenders, and they are designed to be repaid in full on the borrower's next payday. Payday loans are often advertised as a quick and easy way to get access to cash, but they can be very expensive and risky. The interest rates on payday loans are typically much higher than those on other types of loans, and if the borrower is unable to repay the loan on time, they may be charged additional fees and interest. It is important to carefully consider the costs and potential risks of payday loans before taking one out.

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