It is often said that payday loans turn into a cycle of debt. As it is true in many instances, it does not need to be when a person who needs some fast cash refrains from making rash decisions.What exactly does that mean? Let’s take a look at where some people go wrong with payday loan lenders.Not all payday loan lenders have the same interest rates attached to their loans, nor do they request the same qualification standards. Did you know that there might be some lenders who deny approval followed up from one who approves it? It is true. Responsible direct payday loans lenders will take a close look at an individual’s application and inspect the information as well as demand a certain income level before approval. There are lenders who will only loan a small amount of your paycheck, while others will are willing to loan up to half. If you are desperate for money, which lender would you go with?There are also interest differentiations. Some will only charge a certain amount for the course of the loan, not including an additional charge for insufficient fees; but others will have a set rate, then charge an additional amount if the loan goes beyond the initial payoff period. The payoff time is definitely something to consider when taking out a payday loan. If a lender is willing to loan you half your next paycheck, is it financially advisable to do so? These are some tough questions which need to be asked of oneself.*Using a lender from overseas or a Native American based lender. Neither one of these payday lenders need to follow state regulations set for the lending industry.*Not shopping around for the lender with the lowest interest because you are being pressured into signing with the company you are speaking to.*Using a lender who does not disclose fees and policies.*Using these short-term loans for needs since no one asks what the money is for.*Borrowing from an online company who does not have a working telephone number or someone to answer the line.*Doing business with a company who contacted you when you have never or not recently applied for a loan.*Applying for a loan amount you cannot afford to pay back will surely get you into the “cycle of debt” trap which payday advance lenders are so often ridiculed for.It takes a responsible payday loans lenders to approve money to a responsible borrower to ensure a good success rate for payday loans. When the money is needed in a hurry, it’s OK to take an extra hour and surf the web to find a few lenders to compare costs with. Even better take the time to evaluate what you need to the money for. Using a quick cash loan for nonessentials can trap you into struggling to pay towards necessary bills. Be smart about your money and try to find a less expensive way to take care of your money emergency. If you do decide that payday loans are your best options, then play it safe and go with a company you can trust.