different but the rates are very much the same. in fact, there were some indictments in chicago of some loan sharks a couple years ago and they charged less than what petty lenders are charging right now. >> say you are getting your paycheck in a week or two weeks and you need the cash right now is there a way to do this that say what would be your top two tips for checking it out? >> there is a couple of things. by and large for people who are paycheck to paycheck who have minimal savings facing an emergency they can't pay a loan back all in one big lump sum on their next payday plus pay all of their regular bills they still have rent and heat and food. >> what should they do? >> look for a longer term installment loan, credit card, over draft line of credit, signature loan from a credit union borrowing from a family member bor a friend. anything but a payday lender.