There is the excessive interest rates that some critics say is too much for individuals to pay back on payday loans borrowing. This can lead to people not being content with the loan due to the higher interest rates. This is not always an adequate refelction of the amount that is expected to be repaid. This is because with payday loans the rates of interest are calculated over a year, as opposed to the cash advance would need to be repaid back after 30 days. This unnaturally inflates the sum of money that is actually needed to be paid back to the loan company in terms of interest rates and can lead to false figures.