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1. PersonalLoans.com — Short-Term & Installment Loans
We do not offer payday loans. Completing a form on this site does not enroll you into a payday settlement program. If you do enter into a payday settlement program with a Stop My Payday Loans partner, your program may last 3 to 12 months. Interest rates will depend on your personal application results. Sometimes, you just need a little extra cash to get by until your next payday. This large network of lenders can make short work of your application.
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Payday loans have been regulated by a patchwork of state laws complicated by online lenders who try to circumvent any oversight. Consumer Financial Protection Bureau CFPB recently issued preliminary rules that would require providers of payday loans, auto title loans and other short-term loans nationwide to ascertain a borrower's ability to pay, limit debt rollovers and notify borrowers before attempting to collect directly from their bank accounts.
The public input period, which ended a week ago, generated nearly 90, comments bolstered by a letter-writing campaign from borrowers, organized by payday lenders, expressing opposition to the regulations.
But critics said the rules don't go far enough. Darryl Dahlheimer, program director at Lutheran Social Service financial counseling center in Minneapolis called the regulations "a very weak approach. He said he would like to see a national standard similar to the Military Lending Act Congress passed in , limiting the interest on any loan to a military veteran to 36 percent.
He said he would also like to see a national registry for outstanding loans to monitor industry practices and prevent proceeds from a new loan being used to pay off a preexisting loan with another lender. He also points to a "loophole" in Minnesota regulations that put most payday lending outside limits imposed by the legislature. According to the Minnesota Department of Commerce, 22 companies are licensed as "consumer small loan lenders" covered under laws regulating consumer loans.
These larger lenders "operate with few of the restrictions and consumer protections that apply to consumer small loan lenders," said Commerce spokesperson Ross Corson.
An attempt in the state legislature to reform the regulations in died at the end of the session. A leader in that effort, DFL state Sen. Jeff Hayden said he wants to see the impact of the final CFPB rules before deciding what changes are needed at the state level. But Gary Dachis, founder and president of Unbank, the third largest payday lender in the state with 16 storefront locations and more than 40 employees, said the industry is misunderstood by both regulators and the media, which focus on negative stories of "bad actors" and illegal online operations.
The only thing that helps them is the cash today and we will give them cash right now. He also said his customers value fee transparency, unlike traditional banks with confusing terms and hidden fees. Dachis opposes both the CFPB rules and changes to industrial loan and thrift regulations which he says have worked well for more than 80 years.
While acknowledging that some of his customers rollover their loans, he said he discourages it and said that he will not make a payday loan for more than 25 percent of a borrower's paycheck.
He also said, unlike other payday lenders, he does not automatically pull delinquent payments from a borrower's bank account. If reform attempts succeed, Dachis said the future direction of his business is uncertain. Payday loans make up less than 10 percent of his revenue, and he may exit the business or come up with another product such as longer term installment loans.