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Diamond Bank sees "minimal" loan growth as economy falters

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[…]

A new way to prey on poor: car title loans

The rusting 1994 Oldsmobile sitting in a driveway just outside St. Louis was an unlikely cash machine. That was until the car’s owner, a 30-year-old hospital lab technician, saw a television commercial describing how to get cash from just such a car, in the form of a short-term loan.

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The lab technician, Caroline O’Connor, who needed about $1,000 to cover her rent and electricity bills, believed she had found a financial lifeline. “It was a relief,” she said. “I did not have to beg everyone for the money.”

Her loan carried an annual interest rate of 171 percent. More than two years and $992.78 in debt later, her car was repossessed.

“These companies put people in a hole that they can’t get out of,” O’Connor said.

The automobile is at the center of the biggest boom in subprime lending since the mortgage crisis. The market for loans to buy used cars is growing rapidly. And similar to how a red-hot mortgage market once coaxed millions of borrowers into recklessly tapping the equity in their homes, the new boom is also leading people to take out risky lines of credit known as title loans.

In these loans, which can last as long as two years or as little as a month, borrowers turn over the title of their cars in exchange for cash — typically a percentage of the cars’ estimated resale values.

“Turn your car title into holiday cash,” TitleMax, a large title lender, declared in a recent television commercial, showing a Christmas stocking overflowing with money.

More than 1.1 million households in the United States used auto title loans in 2013, according to a survey by the Federal Deposit Insurance Corporation.

For many borrowers, title loans are having ruinous financial consequences, causing owners to lose their vehicles and plunging them further into debt. A review by the New York Times of more than three dozen loan agreements found that after factoring in various fees, the effective interest rates ranged from nearly 80 percent to over 500 percent. While some loans come with terms of 30 days, many borrowers, unable to pay the full loan and interest payments, say that they are forced to renew the loans at the end of each month, incurring a new round of fees.

Many people find that they are struggling to keep up almost as soon as they drive off with the cash. As a result, roughly one in every six title-loan borrowers will have the car repossessed, according to an analysis of title loans by the Center for Responsible Lending, a nonprofit in Durham, N.C.

“This is nothing but government-authorized loan sharking,” said Scott A. Surovell, a Virginia lawmaker who has proposed bills that would further rein in title lenders.

The lenders argue that they are providing a source of credit for people who cannot obtain less-expensive loans from banks. The high interest rates, the lenders say, are necessary to offset the risk that borrowers will stop paying their bills.

• • •

The title lending industry thrives because of the car’s importance.

While people seeking title loans are often at their most desperate — dealing with a job loss, a divorce or a family illness — the lenders are willing to extend them loans because they know that most borrowers will pay their bill to keep their cars. Some lenders do not even bother to assess a borrower’s credit history.

“The threat of repossession turns the borrower into an annuity for the lenders,” said Diane Standaert, the director of state policy at the Center for Responsible Lending.

Unable to raise the thousands of dollars he needed to repair his car, Ken Chicosky, a 39-year-old Army veteran, felt desperate. He received a $4,000 loan from Cash America, a lender with a storefront in his Austin, Tex., neighborhood.

The loan, which came with an annual interest rate of 98 percent, helped him fix up the 2008 Audi that he relied on for work, but it has sunk his credit score. Chicosky, who is also attending college, uses some of his financial aid money to pay his title-loan bill.

Chicosky said he knew the loan was a bad decision when he received the first bill. It detailed how he would have to pay a total of $9,346 — a sum made up of principal, interest and other fees. “When you are in a situation like that, you don’t ask very many questions,” he said.

The title lenders are benefiting as state authorities restrict payday loans, effectively pushing payday lenders out of many states. While title loans share many of the same features — in some cases carrying rates that eclipse those on payday loans — they have so far escaped a similar crackdown.

In 21 states, car title lending is expressly permitted, with title lenders charging interest of up to 300 percent a year. In most other states, lenders can make loans with cars as collateral, but at lower interest rates.

Johanna Pimentel said she and both of her brothers had taken out multiple title loans.

“They are everywhere, like liquor stores,” she said.

Pimentel, 32, had moved her family out of Ferguson, Mo., to a higher-priced suburb of St. Louis that promised better schools. But after a divorce, she had trouble paying her rent.

Pimentel took out a $3,461 title loan using her 2002 Suburban as collateral. After falling behind, she woke up one morning last March to find that the car had been repossessed. Without it, she could not continue to run her day care business.

A new way to prey on poor: car title loans 01/05/15 [Last modified: Monday, January 5, 2015 4:07pm]
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[…]

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Stretch of road renamed for fallen Westland firefighter

Updated: Tuesday, December 30 2014 10:21 PM EST2014-12-31 03:21:56 GMT

A one-mile stretch of Ford Road has been re-named The Brian Woehlke Memorial Highway. And for those who fought fires alongside of him, it’s a good way to keep his memory alive, they said.

A one-mile stretch of Ford Road has been re-named The Brian Woehlke Memorial Highway. And for those who fought fires alongside of him, it’s a good way to keep his memory alive, they said.

Reward offered for robber of cash advance store who bound clerk

Reward offered for robber of cash advance store who bound clerk

Updated: Tuesday, December 30 2014 9:33 PM EST2014-12-31 02:33:25 GMT

Waterford Township police are looking for an armed suspect who robbed an Advance America Cash Advance on Dec. 23.

Waterford Township police are looking for an armed suspect who robbed an Advance America Cash Advance on Dec. 23.

Police look for killer of Inkster boy found shot to death in street

Police look for killer of Inkster boy found shot to death in street

Updated: Tuesday, December 30 2014 8:56 PM EST2014-12-31 01:56:41 GMT

Inkster police are looking for a killer after a 17-year-old boy was gunned down, his body left in the street Monday night.

Inkster police are looking for a killer after a 17-year-old boy was gunned down, his body left in the street Monday night.

Boaters, off-road drivers to face stricter drunk driving laws

Boaters, off-road drivers to face stricter drunk driving laws

Updated: Tuesday, December 30 2014 8:14 PM EST2014-12-31 01:14:18 GMT

Michigan now has stricter drunk driving laws for boaters, snowmobiles and off-road vehicles. Gov. Rick Snyder said that the new legislation will improve public safety but some people are wondering what the real intent of the law is.

Michigan now has stricter drunk driving laws for boaters, snowmobiles and off-road vehicles. Gov. Rick Snyder said that the new legislation will improve public safety but some people are wondering what the real intent of the law is.

Graffiti of angel holding police officer at gunpoint spurs outrage

Graffiti of angel holding police officer at gunpoint spurs outrage

Updated: Tuesday, December 30 2014 7:42 PM EST2014-12-31 00:42:22 GMT

Both police and the director of a youth center in Detroit call a recent graffiti painting “hurtful.”

Both police and the director of a youth center in Detroit call a recent graffiti painting “hurtful.”

Ndamukong Suh wins appeal, will play vs Dallas

Ndamukong Suh wins appeal, will play vs Dallas

Updated: Tuesday, December 30 2014 7:07 PM EST2014-12-31 00:07:24 GMT

The Lions learned Tuesday that defensive tackle Ndamukong Suh will, in fact, play in the wild card game against the Dallas Cowboys.

The Lions learned Tuesday that defensive tackle Ndamukong Suh will, in fact, play in the wild card game against the Dallas Cowboys.

Detroit Weather Authority Forecast: A Chilly End To 2014

Detroit Weather Authority Forecast: A Chilly End To 2014

Updated: Tuesday, December 30 2014 5:55 PM EST2014-12-30 22:55:07 GMT

Weather Authority Rich Luterman: Colder and colder through the New Year.

Weather Authority Rich Luterman: Colder and colder through the New Year.

Warren teacher charged with battery of 67-year-old woman

Warren teacher charged with battery of 67-year-old woman

Updated: Tuesday, December 30 2014 5:39 PM EST2014-12-30 22:39:59 GMT

A Warren Mott High School teacher spent part of her Christmas break in jail after being arrested in the Florida keys.

A Warren Mott High School teacher spent part of her Christmas break in jail after being arrested in the Florida keys.

[…]

Alabama Payday Loan Database Still on Hold – WTVY

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MONTGOMERY, Ala. (AP) — A database to track payday loans in Alabama remains on hold because of a court fight.

The Montgomery Advertiser reports the system isn’t being implemented while the loan industry tries to block it.

The database is aimed at improving enforcement of a $500 limit on the amount of payday loans a person can have. But payday lenders sued Alabama’s Banking Department to block creation of the system last year.

A judge in Montgomery ruled against the industry in August and the industry appealed.

Banking Department attorney Elizabeth Bressler says the state hopes to have a final decision soon.

The state signed a contract with a Florida company to build the database, and legislators approve the deal earlier this month. But the work remains on hold because of the litigation.

[…]

Avoid reverse mortgage regrets

Lots of people don’t fully understand how reverse mortgages work, and the resulting confusion can leave them with a lot of regrets.

Reverse mortgages were largely created for seniors who are cash-poor but house-rich – they have a lot of equity in their homes. The idea was to allow seniors to remain in their homes by borrowing a portion of their equity to supplement their incomes.

To qualify for a reverse mortgage, you have to be 62 or older. But unlike traditional home loan products, there is no monthly payment. The loan isn’t due until the borrower moves, sells or dies.

The overwhelming majority of borrowers get a reverse mortgage through the Federal Housing Administration’s Home Equity Conversion Mortgage (HECM) program.

I recently wrote about the loan product and many readers had questions and concerns.

One wrote: “It is recommended that the prospective borrower seek the guidance of a counselor. How independent are these counselors? My late cousin had obtained a reverse mortgage to supplement her limited pension. My impression was that the ‘counselor’ essentially presented my cousin with the different options of receiving the reverse mortgage (lump sum, monthly, etc.) rather than the associated costs, requirements and risks.”

Counseling is not recommended, it’s required by the Department of Housing and Urban Development. Borrowers have to use HUD-approved housing counselors, who must discuss not just how a reverse mortgage works and its eligibility requirements but the financial implications of getting this type of loan. They also are supposed to talk about alternatives. Their job is to help guide people to make their own decisions about whether the product is right for them.

Counselors are allowed to charge for counseling, but the agency must tell you about the fee before charging it. Fees are typically about $125, but some agencies charge less. Agencies are also required to waive the counseling fee if a borrower can’t afford it. You can pay the fee directly to the agency or out of your loan proceeds.

Another reader wrote: “A home equity line of credit can serve the same function as a reverse mortgage at much lower costs, and with the potential of being able to withdraw a larger percentage of equity than with a reverse mortgage. Am I missing something?”

The problem with a line of credit for cash-strapped seniors is that they may not qualify for the loan and they have to make monthly payments. The appeal of a reverse mortgage is that no monthly payment is required.

I also received a heart-wrenching note from one senior in Florida whose husband had taken out a reverse mortgage. She had signed over her rights to their home to her husband so that he could get a higher mortgage amount. She was 57 at the time. He was 62.

Some people, who married later in life, never add the spouse to the deed to a home that one spouse owned previously, said Jean Constantine-Davis, senior attorney with AARP Foundation Litigation. “More commonly, the younger spouses are talked into quit-claiming their interest in the home by mortgage brokers to generate higher draw on equity,” she said. “The couples virtually never understand that under the terms of the mortgage, when the borrowing spouse dies, the surviving spouse will be foreclosed on and evicted.”

That’s what happened to the reader.

“They assured me there would be no problem in adding my name back when I turned 62,” she wrote. “They failed to tell us that would require qualifying for a refinance.”

Now they can’t afford to refinance.

[…]

Kroll Bond Rating Agency Assigns Preliminary Ratings to JPMCC 2014-FL6

NEW YORK–(BUSINESS WIRE)–

Kroll Bond Rating Agency, Inc. (KBRA) is pleased to announce the assignment of preliminary ratings to nine classes of JPMCC 2014-FL6, a $504.0 million large loan floating rate CMBS transaction (see ratings listed below).

The collateral for this transaction consists of thirteen mortgage loans secured by the related borrowers’ interests in forty collateral properties. Ten (72.4%) of the thirteen loans have been divided into a senior pooled component and a subordinate non-pooled component. The aggregate pooled trust balance, which also includes the three non-componentized loans, is $410.0 million and the total non-pooled component balance is $94.0 million. Each non-pooled loan component serves as the sole source of cash flow for a loan-specific class of certificates. Unless otherwise specified, all pool percentage references reflect the aggregate in-trust balance of the pooled and non-pooled components.

Eleven loans (83.2%) are secured by the borrowers’ fee simple interests in the related properties. Two loans, Hyatt Regency DFW (2nd largest, 12.7%) and Hilton Scottsdale Resort & Villas (11th largest, 4.1%), are secured by the borrower’s leasehold interests in the related properties. There are three property type exposures which exceed 10.0% of the pool, which include lodging (47.3%), office (34.8%), and retail (13.4%). The loan collateral is located in twelve states, four of which represent more than 10.0% of the pool balance, Florida (21.9%), Texas (12.7%), Georgia (11.1%), and Washington DC (10.5%).

KBRA’s analysis of the transaction involved a detailed evaluation of the underlying cash flows using our CMBS Property Evaluation Guidelines and the application of our CMBS Single-Borrower & Large Loan Rating Methodology. The results of the analysis yielded KNCF for the underlying collateral properties that was, on average, 2.1% less than issuer cash flow. KBRA applied our stressed capitalization rates to KNCF to arrive at valuations of the underlying properties. The KBRA values were, on average, 34.5% less than the appraiser’s as-is valuation. The resulting KBRA in-trust Loan to Value (KLTV) was 86.6%. All of the loans have additional financing in the form of mezzanine debt. The weighted average all-in KLTV for the loans was 127.6%. As part of our analysis of the transaction, we also reviewed and considered third party engineering and environmental reports, our analysts’ site visits of the collateral properties, and the transaction structure.

For complete details on the analysis, please see our presale report, JPMCC 2014-FL6 published today at www.kbra.com. The preliminary ratings are based on information known to KBRA at the time of this publication. Information received subsequent to this release could result in the assignment of final ratings that differ from the preliminary ratings.

Preliminary Ratings Assigned: JPMCC 2014-FL6

Class Balance Expected Rating A $282,800,000 AAA(sf) X-CP(1) $409,600,000 AAA(sf) X-EXT(1) $409,600,000 AAA(sf) B $40,600,000 AA-(sf) C $31,500,000 A-(sf) D $55,060,000 NR DFW1(2) $12,800,000 NR DFW2(2) $6,900,000 NR MTP1(2) $8,200,000 NR MTP2(2) $13,800,000 NR PHW1(2) $9,400,000 NR PHW2(2) $6,100,000 NR BAT1 (2) $6,400,000 NR BAT2 (2) $1,037,000 NR VINE (2) $3,100,000 BB-(sf) WCP1 (2) $3,300,000 BB-(sf) WCP2 (2) $3,900,000 NR TLAN (2) $2,130,000 NR FMS1 (2) $4,100,000 BB(sf) FMS2 (2) $3,750,000 B-(sf) HSRV (2) $4,700,000 NR BWT1 (2) $2,200,000 NR BWT2 (2) $2,200,000 NR

1 Notional amount.

2 Represents a loan-specific class of certificates and is only entitled to distributions from a subordinate non-pooled component of the related mortgage loan.

Related publications: (available at www.kbra.com)

CMBS: JPMCC 2014-FL6 Presale Report

CMBS: Single Borrower & Large Loan Rating Methodology, published August 8, 2011

CMBS Property Evaluation Guidelines, published June 10, 2011

About Kroll Bond Rating Agency

KBRA is registered with the U.S. Securities and Exchange Commission as a Nationally Recognized Statistical Rating Organization (NRSRO). In addition, KBRA is recognized by the National Association of Insurance Commissioners (NAIC) as a Credit Rating Provider (CRP).

BondsFinanceCMBS Contact: Analytical:

Kroll Bond Rating Agency, Inc.

Sacheen Shah, 646-731-2417

sshah@kbra.com

or

Michael B. Brown, 646-731-2307

mbbrown@kbra.com

or

Robin Regan, 646-731-2358

rregan@kbra.com

or

Follow us on Twitter!
@KrollBondRating […]

InstaLoan Now Offers 150 Instant Cash Locations

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InstaLoan Now Offers 150 Instant Cash Locations

Consumer loan company now has 150 store locations throughout Georgia and Florida. For more information about InstaLoan, visit http://www.instaloan.com.

We are here to help all types of individuals get the financing they need as quickly and easily as possible.

Savannah, GA (PRWEB) October 29, 2014

InstaLoan, a subsidiary of TMX Finance, has maintained a steady rate of growth since its inception. As one of the nation’s fastest growing consumer finance companies, it is now operating 150 brick and mortar locations throughout Georgia and Florida. The consumer loan company has expanded its footprint during 2014, adding 30 locations throughout the course of this year. Additional InstaLoan locations are planned for the Greater Atlanta Area before the end of 4th quarter. Individuals residing throughout Georgia and Florida will have an opportunity to get the cash they need through a variety of different loan options including: 1st lien loans, personal loans, and signature loans.

“Our consumer demand is positive proof that InstaLoan offers a much-needed service,” said Robert Gomez, Vice President of Operations for InstaLoan. “We are here to help all types of individuals get the financing they need as quickly and easily as possible.”

InstaLoan offers a variety of different types of financial solutions, including: 1st lien loans, signature loans, and personal loans. To secure a short-term cash loan, an individual must have a government-issued ID and proof of income. Some loan products require a vehicle registered in the applicant’s name or loan documentation for the vehicle. Individuals with good, bad, and no credit can be approved for a short-term cash loan with InstaLoan. Hours of operation are Monday – Friday from 9:00 a.m. to 7:00 p.m. and Saturday from 10:00 a.m. to 4:00 p.m. and our stores can be reached by calling 855-849-LOAN. To learn more about the loan products offered by InstaLoan, visit http://www.instaloan.com.

About InstaLoan

Our history: InstaLoan, a subsidiary of TMX Finance, opened its first location in Macon, GA in 2006 under the EquityAuto Loan brand. Since then the company has grown to 150 locations in Georgia and Florida.

What we offer: InstaLoan is one of the fastest growing consumer loan companies in the country. InstaLoan offers a variety of short-term lending solutions, including: 1st lien loans, signature loans, and personal loans, to individuals with all types of credit profiles. InstaLoan focuses on providing people with the cash they need by working with them to determine the best type of loan for their situation.


[…]

Helpful Advice And Advice On Pay Day Loans – Findsjob

FollowGet urgent $ 800 vip cash loan center Orlando Florida within 1 hr same day 15 min approval. You can also apply urgent $ 1000 fast cash loans Plano Texas no checking account .

Online payday loans are a variety of personal loan that lots of people are familiar with, but have never experimented with on account of concern. The fact is, there is absolutely nothing to be afraid of, in relation to online payday loans. Payday loans may help, since you will see throughout the recommendations in this post.

When you are in the process of securing a cash advance, be certain to look at the deal carefully, trying to find any hidden fees or crucial pay-back again information and facts. Tend not to signal the deal till you understand fully everything. Seek out red flags, including big service fees if you go per day or maybe more within the loan’s because of date. You could potentially end up paying out way over the first amount borrowed.

To prevent extreme costs, check around prior to taking out a payday loan. There can be a number of companies in your town offering payday cash loans, and some of those companies could offer much better rates as opposed to others. By checking all around, you might be able to spend less after it is time for you to repay the money.

It is a great idea to shop all around prior to deciding on the paycheck loan provider. Different loan providers will offer you diverse prices and fee distinct service fees. If you just go for that first provide you with receive, you might wind up paying far more. Shopping around can save you quite a lot of dollars.

Online payday loans are also referred to as income advancements. Although a money advance may well not seem as frightening as a payday loan, this is the same task. When picking this service it is important to keep in mind that this can be a bank loan and should be handled as a result on your own finances.

If you are looking at obtaining a pay day loan however are uncertain how to start you really should try and turn to diverse sites that ranking paycheck lending internet sites from most reputable to the very least. There are many internet sites devoted to weeding out your poor loan companies from the great versions.

Check out your credit score before you decide to locate a pay day loan. Consumers by using a wholesome credit score can have more ideal interest levels and relation to settlement. If your credit track record is at very poor design, you will definitely spend rates that happen to be increased, and you may not qualify for a lengthier bank loan expression.

Know when your payday loan arrives. It is extremely vital that you usually do not imagine on this time, because if you are even a day delayed, you could find yourself with sizeable penalty charges. Go through each of the small print on your papers, and do everything you may to cover your loan rear within the right time frame.

Payday loans normally carry quite high rates of interest, and ought to only be used for emergency situations. Even though the interest rates are higher, these personal loans can be a life saver, if you locate oneself within a combine. These lending options are particularly helpful whenever a auto stops working, or perhaps an appliance tears up.

Pay day loans are normally expected within 14 events of taking out the borrowed funds. You are offered a choice to either check out the workplace to buy the examine you authored and pay the loan off of or permit the payday loan business office to publish the check you published to your lender for payment.

Search for a cash advance company that offers loans to the people with poor credit. These personal loans are based on your work situation, and capability to repay the money instead of depending on your credit score. Acquiring this sort of money advance can also help you to definitely re-develop very good credit. In the event you conform to the regards to the arrangement, and pay it back on time.

Do not get yourself a personal loan for any over you can pay for to pay back on your own after that pay out period of time. This is a great thought to be able to spend the loan in whole. You do not would like to pay out in installments for the reason that attention is really higher that this will make you are obligated to pay far more than you loaned.

Much like everything else being a client, you need to do your research and research prices to find the best options in online payday loans. Ensure you understand all the specifics around the financial loan, and that you are obtaining the very best prices, terminology along with other conditions for the certain financial circumstances.

Related findjobs topics:

  1. What You Should Know Before You Get A Payday Loan
  2. The Adverse Elements Of Payday Loans
  3. The Intelligent Way Try Using A Cash Advance
  4. paydaycashadvanceniespodza.com funds progress payday loans on-line
  5. Thinking about A Payday Advance? Look At This Initial!

[…]

BioNitrogen Enters Into a $5 Million Loan for Taylor County Plant

WEST PALM BEACH, FL–(Marketwired – Sep 4, 2014) – BioNitrogen Holdings Corp. (PINKSHEETS: BION), a cleantech company that utilizes patented technology to build environmentally-friendly plants that convert biomass into urea fertilizer, announced today that it has entered into a loan agreement effective today to receive a loan of up to $5 million. The loan will be disbursed, under a disbursement process with the City of Perry approvals, to BioNitrogen Plant FL Taylor, LLC, for the purpose of funding engineering, site development work and land for the plant in Taylor County Florida. The loan shall be secured by a $5 million cash collateral from the City of Perry, Florida.

The City Council of Perry, Florida unanimously approved last week an ordinance for the City of Perry to provide a $5 million cash collateral for the loan. The loan will be repaid and the collateral released upon the closing of the tax-free bond to be issued by the Taylor County Development Authority for the Taylor plant.

“We are pleased with the Council’s confidence in BioNitrogen and their recognition that a plant in Perry will bring excellent, high paying jobs to the area and help boost the local economy,” said Bryan Kornegay, Jr., President and CFO of BioNitrogen. “This is another important step in our progress,” he added.

About BioNitrogen Holdings Corp.

BioNitrogen Holdings Corp. (PINKSHEETS: BION) is a cleantech company that utilizes patented technology to build environmentally-friendly plants that convert biomass into urea fertilizer. Our mission is to provide safe, cost effective, green solutions that are economically beneficial in locations where biomass is produced and urea is consumed. Additional information can be found at www.BioNitrogen.com

Safe Harbor Statement

The forward-looking statements contained in this document involve risks and uncertainties that may affect the Company’s operations, markets, products, services, prices and other factors as discussed in filings with the Securities and Exchange Commission. These risks and uncertainties include, but are not limited to, economic, competitive, legal, governmental and technological factors. Accordingly, there is no assurance that the Company’s expectations will be realized. The Company assumes no obligation to provide revisions to any forward-looking statements should circumstances change, except as otherwise required by securities and other applicable laws.

Finance Contact:

Adam Friedman

Principal

Email Contact

917-675-6250

[…]

Pensacola leads state in Payday loans | Rick's Blog

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Greater than one-in-three payday loans made in the state of Florida are done in the Pensacola, according to a study by the Research Institute on Social Economic Policy at Florida International University. Florida’s payday lending industry is a $2.85 billion business.

“The region with the greatest number of payday loans was Pensacola, with Miami and Orlando in distant second and third place, respectively,” reported RISEP. “The Pensacola metropolitan statistical area has a population of about 455,000 compared to Miami’s regional population of 5.7 million. However, the Pensacola region was home to 39.9 percent of all Florida payday loan transactions in 2012 while the more populous Miami accounted for 17.8 percent of payday transactions.”

Another horrible statistic for our community to lead the state.

The size of the payday lending industry is driven by “loan churning” as borrowers renew loans or take out another loan within days of paying back a loan. According to the report, the lenders charge an average annual percentage rate (APR) of 280 percent for a two-week loan. The typical payday lending customer uses 25 percent of their biweekly grow income on payday loans.

The Community Enterprise Investments, Inc. is partnering with the Raise Florida Network, Zion Hope Primitive Baptist Church and Friendship Primitive Baptist Church to host a town hall meeting Payday Lending on Aug. 28 at Zion Hope. I will post more information closer to the date.

Post Published: 13 August 2014

Author: Rick Outzen

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Business

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