Payday loans are unsecured cash loans with very high-interest rates. You will end up paying as much as 400% annually.
Never leave your sleeping infant/child in a vehicle. This is fairly common in some places across the pond, but it is definitely NOT legal in the U.S
It is usual in many countries to get out of the car when a vehicle is stopped by a cop. In fact, in some countries, it is expected that you get out of the vehicle.