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lowest fees payday loans

Councilman Chadis seeking to manage lenders that are payday

Councilman Juan Chadis thinks short-term loan providers are preying on Lubbock's many vulnerable residents, so he's gearing up to introduce an ordinance directed at managing the industry in Lubbock.

Chadis is hoping Lubbock joins the almost 40 metropolitan areas over the declare that have a standardized ordinance to lessen the "abusive and predatory financing techniques" of short-term lenders called payday or automobile name lenders. These loan providers typically provide tiny loans at greater rates of interest due for payment either in the debtor's next payday or through repayable installments over a length of the time.

The ordinance is modeled after a variation crafted by the Texas Municipal League and includes restrictions that restrict the actual quantity of payday and vehicle name loans, and exactly how usually they may be refinanced.

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