All cash advance loans (also called payday loans) are fee-based loans. That means you pay about $15-30 per $100 borrowed in most states. Every state has established its own limitations on what a lender can charge you in fees. Annual Percentage Rates (APRs) do not apply as these loans are short-term loans that never exceed a few months.
There are many people in the United States with inadequate or no income, and they are getting financial assistance from the government under Social Security policy. Social Security provides these people with money that is not always adequate, hence the need for cash advances.