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Some lenders may need borrowers to deliver additional documentation, like proof of income or employment, before approving a payday loan. Some borrowers may be able to negotiate a payment plan or other arrangements using their lender if these are unable to repay a cash advance on time. Payday loans might be more expensive for borrowers who have no other available choices for covering medical expenses or another unexpected costs. Payday loans might be more expensive for borrowers that have no other options for covering legal expenses or another unexpected costs. The high interest rates on payday loans make them an extremely expensive way of borrowing. Payday loans could possibly be more expensive for borrowers who have no other source of income, as lenders may view them being a higher risk for default. Payday loans might be more expensive for borrowers who have no other way to obtain income, as lenders may view them like a higher risk for default.

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