Я правильно понял, что это то же самое, что у нас называется микрокредитами, или есть нюансы?

Здравствуйте, wildwind, Вы писали:

W>Я правильно понял, что это то же самое, что у нас называется микрокредитами, или есть нюансы?

Похоже на то, хотя возможны небольшие различия:
Payday loan — Wikipedia

A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a small, short-term unsecured loan, "regardless of whether repayment of loans is linked to a borrower's payday."[1][2][3] The loans are also sometimes referred to as "cash advances," though that term can also refer to cash provided against a prearranged line of credit such as a credit card. Payday advance loans rely on the consumer having previous payroll and employment records. Legislation regarding payday loans varies widely between different countries, and in federal systems, between different states or provinces.

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There are many different ways to calculate annual percentage rate of a loan. Depending on which method is used, the rate calculated may differ dramatically; e.g., for a $15 charge on a $100 14-day payday loan, it could be (from the borrower's perspective) anywhere from 391% to 3,733%.[6]