A "safer" payday loan sounds like an oxymoron. Critics have branded these notoriously high-cost loans as debt traps that cause borrowers to go ever deeper.
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Payday loans, which are outlawed in 15 states, including New York, as well as in Washington DC, typically charge sky-high rates for short-term cash advances.
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In fact, sometimes fees end up costing as much as the interest you’re trying to avoid, according to Kaitlin Walsh-Epstein, a New York City-based marketing. 69 percent of first-time borrowers use a payday loan to fund a recurring expense,
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