Pay Day Loans and Car Title Loans are loans close to being loans of last resort for people with poor or no credit records. They do not pull credit reports, they just want pay stubs or your car title. If they pulled credit reports or reported losses, they would never be making these predatory loans. People go there because they can't qualify for loans elsewhere. That is why the interests rates are exorbitant - they have to make enough to cover the losses on the large number of bad loans they make. The fees cover the exorbitant "interest" rates they charge. Just be sure to pay back the loan on time, or it will roll over and more fees will apply.
Shopping Southeast Pennsylvania, Delaware above the canal, and South Jersey since 2008