Which of the following is NOT a form of payday lender?

Home equity loans are not a form of payday lending. Unlike payday lenders, which provide short-term, high-interest loans that are typically due on the borrower's next payday, home equity loans are secured loans based on the equity a homeowner has built in their property. These loans generally involve larger amounts of money and longer repayment terms, with lower interest rates compared to payday loans, because they are backed by the collateral of the home.

On the other hand, corner-store lenders, instant online loans, and even movie apps can all facilitate short-term lending that resembles payday lending practices. Corner-store lenders often provide convenient access to quick cash in informal settings, while instant online loans can offer rapid approval for short-term borrowing, typically with high interest. Movie apps could be a more unconventional reference to certain platforms that facilitate finances related to movies, but they often represent newer forms of lending that may align with the quick-access nature of payday loans.