Some people say that there is a need to abolish Installment Payday Loan . Because its lending activity is predatory. Like its rates of interest in which its hard to payback the growing loans amount. In the first place, if complaints arise for this lenders, why is it that a lot of people are still applying for it. Do they find it the most accessible one in times of emergency when they need cash without having to wait for a credit check? Our financial obligation is risky so that we should analyze every action for a good result.