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These places of business handle large sums of cash and are usually in economically impoverished areas of town. Try and only visit during daylight hours and park in highly visible spaces. Go in when other customers are also around.Keep your personal safety in mind if you have to physically visit a payday lender. These places of business handle large sums of cash and are usually in economically impoverished areas of town. Try and only visit during daylight hours and park in highly visible spaces. Go in when other customers are also around.If you have to use a payday loan because of an emergency, or unexpected event, understand that many people are put in an unfavorable position by doing this. If you do not use them responsibly, you could wind up in a cycle that you cannot get out of. You could be in debt to the payday loan company for a very long time.Always make sure the terms of your loan are clear an that you understand them completely. 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