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        "rendered": "<p><title>Should payday loans even be considered an option?<\/title><\/p>\n<p>Payday loans have become the face of predatory lending in America for one reason: The average interest rate on a payday loan is 391% and can be higher than 600%!<\/p>\n<p>If you can&#8217;t repay the loans \u2013 and the Consumer Financial Protection Bureau says 80% <a href=\"https:\/\/worldloans.online\/payday-loans-nh\/\">worldloans.online\/payday-loans-nh\/<\/a> of payday loans don&#8217;t get paid back in two weeks \u2013 then the interest rate soars and the amount you owe rises, making it almost impossible to pay it off.<\/p>\n<p>You may think a payday loan is the only solution for handling an emergency bill, or even pay off another debt, but the truth is, a payday loan will end up costing you more than the problem you&#8217;re trying to solve. It&#8217;ll add up to more than any late fee or bounced check fee you&#8217;re trying to avoid.<\/p>\n<p>Compare payday loan interest rates of 391%-600% with the average rate for alternative choices like credit cards (15%-30%); debt management programs (8%-10%); personal loans (14%-35%) and online lending (10%-35%).<\/p>\n<p>Some states have cracked down on high interest rates \u2013 to some extent. Payday loans are banned in 12 states, and 18 states cap interest at 36% on a $300 loan. For $500 loans, 45 states and Washington D.C. have caps, but some are pretty high. The median is 38.5%. But some states don&#8217;t have caps at all. In Texas, interest can go as high as 662% on $300 borrowed. What does that mean in real numbers? It means that if it you pay it back in two weeks, it will cost $370. If it takes five months, it will cost $1,001.<\/p>\n<p>By the way, five months is the average amount of time it takes to pay back a $300 payday loan, according to the Pew Charitable Trusts.<\/p>\n<h2>Payday Loan Changes Retracted<\/h2>\n<p>The Consumer Financial Protection Bureau introduced a series of regulation changes in 2017 to help protect borrowers, including forcing payday lenders \u2013 what the bureau calls \u201csmall dollar lenders\u201d &#8211; to determine if the borrower could afford to take on a loan with a 391% interest rate, called the Mandatory Underwriting Rule.<!--more--><\/p>\n<p>But the Trump administration rejected the argument that consumers needed protection, and the CPFB revoked the underwriting rule in 2020.<\/p>\n<ul>\n<li>A lender can&#8217;t take the borrower&#8217;s car title as collateral for a loan.<\/li>\n<li>A lender can&#8217;t make a loan to a consumer who already has a short-term loan.<\/li>\n<li>The lender is restricted to extending loans to borrowers who have paid at least one-third of the principal owed on each extension.<\/li>\n<li>Lenders are required to disclose the Principal Payoff Option to all borrowers.<\/li>\n<li>Lenders can&#8217;t repeatedly try to withdraw money from the borrower&#8217;s bank account if the money isn&#8217;t there.<\/li>\n<\/ul>\n<p>Congress and states are also working on strengthening protections, including a move to bring the 36% interest cap to all states. In 2021 alone, Illinois, Indiana, Minnesota, Tennessee and Virginia all clamped down on payday loan interest rates.<\/p>\n<h2>How Do Payday Loans Work?<\/h2>\n<p>Payday loans are a quick-fix solution for consumers in a financial crisis, but also are budget busting expenses for families and individuals.<\/p>\n<p>Consumers fill out a registration form at a payday lending office or online. Identification, a recent pay stub and bank account number are the only documents needed.<\/p>\n<p>Loan amounts vary from $50 to $1,000, depending on the law in your state. If approved, you receive cash on the spot, or it&#8217;s deposited in your bank account within one or two days.<\/p>\n<p>Borrowers either post-date a personal check to coincide with their next paycheck or allow the lender to automatically withdraw the money from their account.<\/p>",
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