Short-term loan companies may look like an oasis in the desert when people need money fast. A quick $200? No problem! But with high interest rates (800% for some) and no usury laws in Nevada, some payday loan companies have a bad reputation. They're already outlawed in Arizona, and people are suing them in Nevada. But one new company bringing a clean image to payday loans. Will it work? How many people are in the hole thanks to these companies? And do the lenders work with them or not? Do you have a short-term loan story?