Payday and micro-loan companies have spent an accumulated $90 million on advertising over the past three years.

Advertising spending data from researcher Nielsen shows that the payday and micro-loan sector spent $36m on advertising between August 2018 and July 2019 – up from $30m a year ago and $24m the year before that.

In any sector, such a steady rise in ad spending would be a sign of a healthy, steadily growing business. Indeed, the more money you earn, the more you have to spend on promoting your goods or services.

Given the rapid rise in spending, it's safe to


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