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A lender shall not lend an amount greater than $500 nor shall the amount financed exceed $500 at any time to a consumer. There shall be no maximum loan term. The minimum loan term shall be six months from the loan transaction date. A lender may charge a finance charge for each deferred deposit loan or payday loan 

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Even if credit unions offered short-term loans at better interest rates and lending terms than payday lenders — and most don't — current payday loan customers would still prefer the convenience of payday lenders, a new University of California, Davis, study suggests. Growth of payday lenders has led to a policy debate