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However, even these states have some limits. Most of them put a limit on how much money users can borrow either a dollar amount or a percentage of the borrowers monthly income.
Also, a federal law bars lenders in all states from charging more than a 36 annual percentage rate (APR) to active-duty members of the military. Many payday lenders deal with this law by refusing to make loans to service members. Restrictive Citibank malaysia personal loan promotion.
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 all the payday loan offices have closed.