In 15 states, plus Washington, D.there are no payday loan offices at all. Some of these states have banned payday lending outright. Others have put a cap on interest rates usually around 36 APR that makes payday lending unprofitable, so personal loans for blacklisted the payday loan offices have closed. However, borrowers in these states can still get loans from online payday lenders.
Hybrid States. The remaining eight states have a medium level of regulation. Some cap the interest payday lenders can charge at a lower rate usually around 10 for each 100 borrowed.
You are urged to read and understand the terms of any loan offered by any personal loans for blacklisted, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score. Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.
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