enthalpy

enthalpy

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The truth shall set you free, but first it's going to piss you off

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Wednesday, April 22, 2009

Posted 4/22/2009 01:06:00 PM by Douglas

Payday loans are a huge rip off, but only if you consider 400% interest unusually high. I don't know they skirt existing usury laws in the first place, but I really don't think they need to be illegal.

Two state representatives told a House panel Tuesday the payday loan industry's skyrocketing interest rates are hurting Texas borrowers who live paycheck to paycheck.

But industry representatives countered by saying borrowers are not only happy with such loans, but payday lenders provide a service that banks and other financial institutions do not offer.

Or some guy that begins each transaction with the phrase, "hey buddy!"

No, they're not a good deal, but the people that get them, need them. If this is the only way some people can get a loan, they're not going to be better served by the legislature removing that option.

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