Some lenders say they are beyond the law because theyre based offshore. Check with state authorities to see if the loan is illegal, and if it is, close your account. Taxi payday loans. If someone makes you a loan thats illegal, either because they dont have a license or they violate usury laws, youre not under any obligation to pay it back, said Norman Googel, an assistant attorney general in West Virginia.
Regulators in some states that license payday lenders routinely advise borrowers to follow Coons example. Its illegal to make a loan without a license, explained Deborah Bortner, the departments director of consumer services. Online Payday Loan Application. Online Payday Loans Application. Facing a financial emergency.
More than a third of those loans were made online. I wondered what happens when you apply for such a loan, so I decided to find out. In the course of reporting a story earlier this year, I logged on to a site called eTaxLoan. com and filled out an application. I asked for 500 and, to be safe, I made up an address, a name (Mary) and a Social Security number.
The site asked for more sensitive stuff - a bank account number and a routing number - and I made that up, too. In spite of the made-up information, in less than a minute, I got a response. "Congratulations.
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