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Pennsylvania state law prohibits payday loans. The law stipulates that payday loan lenders (and other small loan lenders) must comply with the state’s criminal and small loan usury laws which severally restrict the allowable interest rates and fees to levels much lower than what a payday lender usually charges.
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State law invokes small loan laws and caps loans issued in this state at 24%.
If you feel a payday lender is operating unfairly or engaging in illegal collection practices, you can contact your Pennsylvania Attorney General:
Pennsylvania Office of Attorney General
16th Floor, Strawberry Square
Harrisburg, PA 17120
