Right now, Pennsylvania's neighborhoods are free from payday loan storefronts that trap Pennsylvanians in a long-term cycle of debt. 

As the new legislative session gets underway, out-of-state payday loan companies, and their high-paid lobbyists, are pushing hard to legalize 300% APR payday loans in our state. 

Join us to help protect Pennsylvania's existing strong laws and prevent storefronts like these from flooding our communities.

_ As Senators prepare to return to Harrisburg for the final days of the legislative session, the payday lenders are ramping up their aggressive push to legalize 300% APR loans in Pennsylvania.   Senators need to hear from you – this is not acceptable. 

In their aggressive push, payday lenders are willing to say anything to disguise the predatory terms of the product they seek to legalize.  They’re claiming legalizing 300% interest rate loans is “consumer protection.”  Really?  Let your Senators know that you see right through the payday lenders’ smoke and mirrors, and they should too.

Play this to see the truth behind payday lenders' outrageous claims:

_Play it. Learn the truth.  Call your Senator today.  Tell your friends.  Have them call too.  Act today, before your Senator returns to Harrisburg, where the big payday lenders will circle their office day in and day out.  

 Let them know that voters at home think 300% interest rates are wrong.  Plain and simple.  No amount of smoke or mirrors can hide that fact.

Last week, the House approved 300% interest rate debt to come flooding into the state.  The House passed a bill to legalize predatory payday loans by a slim margin. (See how your representative voted here.)  Now, the decision now rests in the hands of your Senator.  Call today to urge them to oppose these predatory payday loans.

Let your Senator know that Pennsylvania voters don’t want to see these high-cost unsustainable payday loans coming into the state.   These types of loans are already highly regulated in the Commonwealth, even for loans made over the internet.  HB 2191 is unnecessary regulation that worsens the problems it creates to solve.  Call your Senator today to reject this unnecessary legislation. 

In other states with laws like HB 2191, the long-term payday loan debt trap is the norm.  Where payday lending is legalized, just like HB 2191 seeks to do, the typical borrower is indebted for more than 200 days a year.  And, the long term debt trap is the core of the business model as they generate more than 60% of their revenue from loans to borrowers with more than 12 loans a year.  Tell your Senator to oppose HB 2191 because it writes the debt trap into state law. 

Let your Senator know too that the media is watching too. Just recently the Pittsburgh Post Gazette, Butler County Eagle,   Lancaster Sunday News, and Bucks County Courier Times issued strong editorials urging the Senate to reject HB 2191, and the Pennsylvania Military Officers Association of America’s letter to the editor urged legislators to stand with veterans by opposing HB 2191.  

Call your Senator today to urge them to oppose predatory payday loans.