Staying out of the traditional financial system is much more a matter of choice and lack of financial education, than it is about being shut out of it....
The payday loan industry has been thriving in the U.S. and Wells Fargo and other banks are now offering the service, charging up to 300% in interest....
While it's better not to get to the point of needing a payday loan to pay your phone bill, BillFloat is a better option than many of the alternatives....