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Retail lending
To secure a small cash loan, with payments at the borrower’s next paycheck, borrowers visit a payday lending store. In the USA finance charges usually from 15% to 30% for the 2-week period. The borrower inscribes a postdated check in the full sum of the loan and fees. If the borrower does not repay the loan on the maturity day, the lender may refund the check.
For borrowers who can’t pay back in time, members of the national trade union are required to propose an extended payment plan at no additional fees. In some states with Washington D.C. such payment plans are required by the government and state law.
The borrower required to bring one more recent pay stubs by payday lenders to prove a source of income. Also, the borrower should provide recent bank statements. Some franchises and individual companies have their own criteria.

Link: http://usa-payday.blog.hr/2011/10/1629542288/credit-help-low-interest-payday-loan.html