On Friday, Colorado will severely restrict how much interest payday loan businesses can charge consumers — which could force all of them to close. Apply for a joint home loan with a co-applicant and enhance your eligibility to borrow a higher amount. Use your credit cards only for emergencies - If you always have the option to use your credit card, you won't have to worry about taking out a payday loan. If you're considering a loan from a payday or car title lender, which often charge APRs of 400% or more, go back through all the options above. Certain people may work jobs where they aren't given contracts and don't get payments sent to their bank account. The fees on a typical payday loan can be so high that…

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