THESE PEOPLE HAVE APPLIED AT ONE OF OVER 75 WEBSITES ON-LINE FOR A PAYDAY LOAN. PAYDAY LOANS ARE SMALL, SHORT-TERM LOANS THAT HELP BRIDGE A CASH FLOW GAP BETWEEN PAY DAYS IN ORDER TO TAKE CARE OF AN EMERGENCY SITUATION, AND UNEXPECTED EXPENSE, PAY A BILL, PREVENT PHONE/UTILITIES FROM BEING TURNED OFF, FOR ENTERTAINMENT OR EVEN TO MAKE AN IMPULSIVE PURCHASE. APPLICANTS HAVE FUNDS TRANSFERRED TO THEIR BANK ACCOUNT. LOAS ARE DUE AND PAYABLE THE NEXT PAYDAY, WITH MANY RECEPIENTS OPTING TO PAY DOWN THEIR LOAN OFFER OVER TIME. INCURRING A FINANCE FEE PLUS AN INCREMENTAL LOAN PAYMENT OVER A PERIOD OF WEEKS. THESE HOTLINE APPLICANTS ARE EMPLOYED, HAVE A WORKING PHONE, AND HAVE ACCESS TO THE INTERNET. THEY ARE PERFECT PROSPECTS FOR LOW LIMIT/UNSECURED CREDIT OFFERS, PRE-PAID PHONE/WIRELESS OFFERS, BUSINESS OPPORTUNITY, CONTESTS, LOTTERY OFFERS, CREDIT BASED MERCHANDISE OFFERS, INSURANCE, CREDIT REPAIR AND DEBT CONSOLIDATION PROGRAMS, PRIVATE LABEL MERHCHANDISE CATALOG PROGRAMS,INCOME/CAREER/SELF IMPROVEMENT OPPORTUNITUES AND MORE. HERE ARE SOME FACTS ABOUT THE AVERAGE CLICKSPEED CUSTOMER. Majority earn between $25,000 and $40,000; FICO scores under 600; 94 percent have a high school diploma or better; 56 percent have some college or degree; 68 percent are under 45 years old (only 3. 5 percent are 65 or older); Majority of customers are married; 64 percent have children in household; 42 percent own homes; 57 percent have major credit cards; 100 percent have steady incomes; 100 percent have checking accounts;

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