Whenever I drive through a low income neighborhood, I'm always amazed at the number of instant payday loan companies. I recently saw five cash advance stores within one block. No exaggeration - from the time I drove from one light to the next light, I passed five companies. While instant payday loan companies serve a good purpose, I often wonder why these companies aren't in middle class or upper-middle class neighborhoods. I know for a fact that people who earn a decent living stumble upon financially hard times. I even read a newspaper article that revealed a large percentage of high income earners living paycheck-to-paycheck. However, it seems that cash advance loans aren't as accessible to people who have a better chance of repaying the loan. When instant payday loan companies open a store in lower income neighborhoods, is it because they want to help people with modest incomes, or is it a tactic to get more money? If the borrower can't repay the loan by the due date, they'll pay a late fee and additional finance fees. Then again, some instant payday loan companies may choose to avoid middle class neighborhoods as a marketing maneuver. They likely reason that person who earn a high income are too embarrassed to walk into a cash advance storefront, or they have access to credit cards. Whatever the reason, it seems that the excessive presence of cash loan companies in low income neighborhoods will tempt many to borrow without considering the risks.