Module 3 discussion
A payday loan is a small, unsecured, short-term loan ranging
from $100 to $1,000 (depending on the state). Borrowers simply write a personal
post-dated check for the amount they want to borrow. A flat fee of $15 for
every $100 borrowed is usually charged. The fees on such loans can equate to an
annual interest rate of over 390%. Some argue this is an outrageous rate.
On the other hand, the costs of these loans can be less
expensive than the other costs the borrowed funds are being used to avoid. For
example, the $15 fee might be used to get $100 to avoid a $30 check overdraft
charge, a $40 late credit card payment fee, or a $90 charge to reconnect
electricity service, which will be disconnected without the money to make the
A manager at a payday loan and check cashing business
defends his companyâs business practice as simply âcharging what the market
will bear.â âAfter all,â says the manager, âwe donât force people to come in
How would you respond to this ethical defense of the
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