Never do business from a text message - they are usually scams and YOU DO NOT WANT A PAYDAY LOAN - they are nothing but DEBT TRAPS!
If you live in one of these states - PAYDAY LOANS ARE BANNED.
High cost payday loans are illegal in 16 states. As of the end of 2008, the following states outlaw these very expensive loans:
Arizona (as of July 1,2010)
Arkansas
Connecticut
Georgia
Maine
Maryland
Massachusetts
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oregon
Pennsylvania
Vermont
West Virginia
Payday loans are also illegal in the District of Columbia, the Virgin Islands and Puerto Rico.
In addition, Congress banned payday lending to service members and their families.