Instant Loans Military

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Payday loan fees may not be interest but it still adds up to misery for borrowers
By Talbert Williams

Arkansas has long had some of the strictest lending laws in the country. Twenty five years ago when interest rates on auto loans were near 20% nationally, Arkansas law required dealers to charge no more than 10% interest. People were flocking to the state from all over the country to buy cars there in order to save a fortune in interest charges. For years, Arkansas law prohibited cash advance loans, or payday loans, due to their usurious nature. But in 1999, the state passed the Check Cashers Act, which authorized the loans but maintained that the fees that accompanied them were not interest.

The 1999 law limits the interest rates on loans offere...
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