The popularity of online payday loans (fast online loans) and online consumer loans (consumer credits received via the Internet) is largely influenced by the purposeful and aggressive promotion of such services. The promotion is focused on such undeniable advantages as fast receipt of credit (loan), confidentiality, convenience, subtler standards for assessing personal credit history and flexible repayment methods. Even though payday loan service is relatively expensive, it is obvious that due to the above mentioned reasons it is on popular demand. People have formed a habit to borrow money via the Internet or by sending an SMS message instead of taking a bank loan or making a deal with a leasing company. This is undeniably a huge achievement of the providers of this service.