<prompt> Human: A few weeks ago I was in a pinch and took out a small loan online for 775. I logged in to their site and viewed my loan documents. According to this, a 775 loan is going to cost me 4672.54. I know I took the loan and its my fault, but this is highway robbery. A 646.34 APR? Absolutely insane.I want to contact them and see what they will do, because theres no way Im going to pay these bastards 4,000 for this loan.Before I write them, is there anything I should tell them that will help my situation?  <response>: Pay it off as fast as you can. You most likely agreed to the terms when you took the loan, so its probably incredibly hard to get out of without a team of lawyers. Try to get a lower interest loan from a bank or use credit cards if you have them. Payday loans are an endless cycle that keeps people from getting ahead. 