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I like the logo and I think it hits your target market for sure. I might think about moving the car up and shrinking it considerably. Another possibility would be to remove the bottom line of the car and maybe sink "payday motors" into the bottom of the car. That all being said, I think you have hit the needs of the client at this points and would work as is.
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My original design did EXACTLY what you are suggesting, but the client requested the car be larger, more lines defining the car, and there be more separation between the car and name. Thanks for the critic.