Clarnetta Rice, a 67-year-old retired customer service representative for the Philadelphia health department, illustrates the problems borrowers commonly face based payday advance online best the terms of Plain Green loans. Payday lending is illegal under Pennsylvania law. But in April 2012, Rice went online and borrowed 800 from Plain Green in order to get her car fixed. In the three months it took her to pay that loan back, she racked up 1,383.

74 in interest. Still, in August 2012, she borrowed another 1,000 from Plain Green, and in September 2013 another 1,600. Paying her last loan off cost her 2,834 in interest over just four months.

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