When my car needed a transmission, I got a payday loan. It helped that the owner of the business has known me well for years, but I am independent like the rest of you. I signed up for one of these but oddly my local H&R is open for that purpose only three days a week. The phone number I called was specifically for Emerald loans. Maybe it isn't open more than that anyway because it isn't tax season. Anyway, today was the day I was going to do it and it is closed. There is no other choice for a reschedule. I was called about it yesterday but was in another county and not sure what time I could get there. When I agreed to do the assignment, I mentioned the possibility of a hit. I was also wondering if this really is a "payday loan" like the other companies have. If so, I might be turned down because I still have a balance--which I am paying off diligently. The scheduler didn't mention that possibility. As another aside, someone told me that you can't even pay your balance or take out more money in a neighboring town but have to go back to the same town where you live. If, for example, your transmission went out in another county, you could not get a loan there because you don't live there even though there is another business of the same chain in your hometown.