The Progressive Index newspaper of Virginia.   Where do we begin? How about with:

A payday lender might also require you to pay an additional service or processing fee of as much as $25, making the cost of the $100 loan even higher.

We know of no payday lending that charges processing fees.  We don’t believe they are discussing payday loans here.

Payday lenders are illegal in many states.

Payday lenders aren’t “illegal” anywhere.  Some states make it unprofitable.