Join The Predatory Lending Association! is a clever parody site mocking payday loans and the efforts of groups like the The Community Financial Services Association of America (CFSA), a lobbying group that tries to make the loan sharks look like respectable financial institutions.

Purporting to be a resource and awareness destination, the site contains such tips as “how to buy off a non-prof” to give your business the veneer of community support. A “testimonial” on the sidebar reads, “Even though I paid $800 in fees, the customer service representative was very professional.” One section debunks various “myths” like, “It is unethical to charge a poor person 100 times the interest rate a rich person would pay.”

We highly support The PLA and eagerly await for our membership to be accepted.

Predatory Lending Association


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  1. Skiffer says:


    Their “PoorFinder” Google mash-up recommends putting a pay-day loan center across the street from my house…

  2. Munsoned says:

    …it puts one about two blocks from my house… Nice!

  3. Major-General says:

    I’ve found that “respectable” financial institutions are loan sharks also.

  4. Zgeg says:

    All the proposed locations in my neighborhood are on the other side of the river.. I knew putting that thing there was going to be a good thing. Yeah God!!

  5. PaulMorel says:

    lol. Only poor people (read: me) read consumerist.

  6. timmus says:

    Interestingly several countries including Canada regard anything exceeding 60% APR as a criminal interest rate.

    Advance America = 391% APR national average
    Money Mart = 266% to 912% APR

  7. dirtymoney says:

    LOL@ the poorfinder.

    There is one payday loan & one title loan shops in my town/city (which is a pretty decent place to live for its size). (and one gun shop… its a nice shop btw… I have been there).

    I truely despise payday loan places. Just pure evil IMO.

  8. popeye_doyle says:

    ha ha! “…a lobbying group that tries to make the loan sharks look like respectable financial institutions” ha ha!

    Please name one.

  9. ironchef says:

    all they need is Gary Coleman to top off this site.

    Poor Gary is doing advertising for CashCall…

  10. trollkiller says:

    @ironchef: Gary coleman is only doing the ads because he is just a little short.

    Sorry, it was there. I had to take it.

  11. Rode2008 says:

    I love the discussions part. You’ve got to read the ones from some Mafioso type named “Tiny Genitalia”.

  12. Rode2008 says:

    The site is, of course, satirical, however, there’s “more truth than poetry” within its messages.

    I honestly feel that payday loans exploit those most vulnerable.

  13. n8srq says:

    At the nearest location to my house that the poor finder recommends a lending center, there actually is a paycheck advance lending center.

  14. darkened says:

    @IRONCHEF because Gary needs to pay off all his rolled over cash calls.

  15. Rode2008 says:

    When I mistakenly overdraw from my checking account, I get whacked with a service fee as well as APR on the overdrawn amount. Additionally I pay an annual fee for the “overdraft protection”. I”m going to add up all the costs I’ve incurred when overdrawing. I”ll bet it will make the payday loansharks look like a humanitarian organization.