About the Payday Loan Times

The Payday Loan Times covered the payday-loan and cash-advance industry in the United States — the lenders, the borrowers, and the fast-changing patchwork of state and federal regulation — with daily news reporting from 2005 to 2009. This site preserves that reporting as a public archive.

What we are — and aren't

We are an independent news archive. We are not a lender, and we do not broker, offer, arrange, or recommend loans. We do not provide financial advice. Our pages explain how these products work and document how the rules around them evolved; decisions about borrowing are yours to make, ideally with a qualified, licensed adviser.

How the archive is organized

• News by U.S. state — coverage organized by where it happened.
• Regulation — bills, bans, rate caps, and court rulings.
• Glossary — plain definitions of payday-loan terms.
• Our writers — the reporters behind the coverage.

Standards & contact

Our approach to sourcing, accuracy, and corrections is described in our editorial policy. To reach the editors, see the contact page. Because the articles here were published between 2005 and 2009, laws, rates, and companies referenced may have changed since.