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Upper limits on payday loan prices had just been established in Colorado at the beginning of our sample period, and the data show that payday loan finance charges gravitated systematically toward the price ceiling over time. This pattern is consistent with. Schelling's (1960) observation that firms in oligopolistic markets will 

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Jun 10, 2016 According to the CFPB, “the cost of payday loans (finance charge) may range from $10 to $30 for every $100 borrowed. More than 80 percent of borrowers, however, find they still don't have enough to pay off their loan by the time it's due just two weeks later, according to the CFPB report. So, they borrow