Less than a mile and a half from Little Rock Air Force Base sit three payday loan centers. The money is easy to find, but it can be hard to pay off. When calculated annually, some payday loan centers can charge interest rates that are more than twenty times the rates you can find at credit unions. The loan centers defend their practices and say their services can actually save the consumer money. Even though 1 in 4 military families is estimated to have taken out a payday loan, Arkansas soldiers are offered credit counseling.