1. Shop around and compare rates from different lenders before choosing a payday loan.
2. Read and understand the terms and conditions of the loan before signing any agreements.
3. Be aware of any fees or charges associated with the loan, including origination fees, late fees, and rollover fees.
4. Consider alternative options, such as borrowing from a bank or credit union or asking for help from a friend or family member.
5. Avoid payday loans that require you to provide collateral, such as a car or home.
6. Be wary of lenders who offer loans with extremely high-interest rates.
7. Don’t provide personal or financial information to a lender unless you are sure the lender is reputable.
8. Be aware of scams and predatory lenders who may try to take advantage of you.
9. Don’t borrow more than you can afford to pay back.
10. Don’t take out multiple payday loans at the same time.
11. Consider seeking credit counseling or financial advice if you are having trouble managing your finances.
12. Don’t agree to automatic withdrawals from your bank account to pay back the loan.
13. Don’t use payday loans as a long-term solution to financial problems.
14. Don’t borrow from a lender who asks you to sign a contract that waives your legal rights.
15. Don’t borrow from a lender who doesn’t clearly disclose all the terms of the loan.
16. Don’t borrow from a lender who is not licensed in your state.
17. Don’t borrow from a lender who is not willing to provide you with a physical copy of the loan agreement.
18. Don’t borrow from a lender who threatens to take legal action if you don’t pay back the loan.
19. Don’t borrow from a lender who refuses to provide you with information about your rights and responsibilities as a borrower.
20. Don’t borrow from a lender who seems too good to be true.

Remember, if you are considering a payday loan, it’s important to carefully evaluate all your options and make sure you understand the terms and conditions of the loan before you agree to anything.