Dire Straits may have gotten their money for nothing, but the rest of us sometimes need to hit up payday lenders like Community Choice Financial. Formed in 2011, the company issues unsecured short-term consumer loans of up to $5,000, charging fees from $8 to $15 per $100 borrowed in addition to interest rates, which vary by state but typically range from 60% to 120% APR. Its stores, operated under the CheckSmart and California Check Cashing Stores brands, also issue title loans, prepaid MasterCard debit cards, and offer check cashing, money transfers, bill payments, and money orders in 9 US states.