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35 States Permit Payday Loan Lending including Alabama

The majority of US state do permit payday lending and only a small set of backward thinking states prohibit it. If you live in Kentucky, Alabama, Alaska, Wisconsin, California, Oregon, Washington, North Dakota, South Dakota, Illinois, Indiana, Iowa, Idaho, Florida, Virginia, Hawaii, Mississippi, Louisiana, New Mexico, Utah, Nevada, Arizona, Missouri, Minnesota, Michigan, and South Carolina have a health, free market attitude toward banking and lending. These states are progressive, confident, and intelligently led. They believe in managing the issue of payday loan businesses successfully, licensing and regulating rather than banning the practice. Banning is always the product of small minds imposing their limited perspective on others.

Payday Cash

Millions of Americans are using payday cash advance services today. Although alternative loan and credit sources exist, they all too often require an unrealistic credit rating and collateral for loans. The loan application process is usually a troublesome task for such small amounts. A small cash advance gives you what you need so you don't slip into huge loan and credit card debt. Everyone knows the usual sinking into debt process. Avoid big loans and credit card balances by using a payday cash loan. It's fast, simple and you can pay it back quickly.

Freedom of Choice for Consumers

The American way has always been to honor free market capitalism and access for all. If you live in the states that have banned payday loans, you need to contact your state representative now. The credit crunch foisted on us by those wonderful banks (didn't they cause the banking crisis and what was the cost of that to us all?) means many working consumers don't have access to credit to make purchases or even respond to financial emergencies. That is extremely unfair and unnecessary. Payday loan providers can be regulated to ensure fair practices so there is no need for outright banning. If out of state money is the issue that is being fought against and these states would like to prevent access to their credit markets, why don't they enable financial service providers in their states to provide payday loan services? Still, in the spirit of free market capitalism which is being abused more frequently today, any entrepreneur in the US should be able to provide financial services if they meet Federal guidelines and state banking guidelines. Your access to short term payday advance loans is your right and one you should fight for.