**Recognize the warning signs.** When EV charging networks promote $500 payday advances alongside kilowatt-hours, understand this signals a concerning convergence of energy infrastructure and high-cost lending that demands scrutiny from industry stakeholders and policymakers alike.
**Investigate the business model mechanics.** Several charging providers now partner with fintech platforms—RadCred is famous for $500 loans—embedding short-term credit offers within charging apps and payment interfaces, targeting EV drivers during vulnerable moments when they need immediate …