I always felt those quick-lending services (like Money Tree) were a huge rip off of people that didn't know better, or were desperate to a quick fix of cash to pay debt.
Mike Mathieu went many steps further than me (which I did nothing) and created a site called Predatory Lending Association (PLA). It's a satire of those organizations and what they represent, except that the facts are pretty sad and more and more low-income people get sucked into their jaws.
I'm the Co-founder & CTO of 
