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Research by the Center for Responsible. Lending (CRL) has shown that the average payday borrower will take nine consecutive loans in a year, eventually paying more in fees than the original loan value.7 Over 90% of the payday lending business is generated by borrowers with five or more loans per year. 4 Drawn from 

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The Florida Public Interest Research Group was quoted rates that exceed the 10% fee cap in ten of nineteen instances, with effective APRs ranging from 261% to 573%. The longest loan term was 15 days, with five lenders demanding repayment on the next payday. None of the companies quoted an APR when asked.