Howard Jacob Karger, "Scamming the Poor: A payday loan also called a payday advancesalary loanpayroll loansmall dollar loanshort termor cash advance loan is a small, short-term unsecured loan"regardless of whether repayment of loans is linked to a borrower's payday. The union Unite called for a 9pm watershed for payday loans adverts. Since payday lending operations charge higher interest-rates than traditional banks, they have the effect of depleting the assets of low-income communities. In the more recent innovation of online payday loans, consumers complete the loan application online or in some instances via faxespecially where documentation is required.
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