Make sure you carefully consider the legal and moral consequences of the payday loan business.
Here's a very interesting study of fringe banking (payday loans, pawnshops, cheque cashing, etc):
http://ius.uwinnipeg.ca/pdf/fringe.banking.Chesya.pdf
Personally I wouldn't touch this business with a ten foot pole.
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"Every normal man must be tempted, at times, to spit on his hands, hoist the black flag, and begin slitting throats."
--H.L. Mencken
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