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Payday lenders made about 49 billion in high-interest loans last year. More than a third of those loans were made online. I wondered what happens when you apply for such a loan, so I decided to find out. In the course of reporting a story earlier this year, I logged on to a site called eTaxLoan. com and filled out an application.
I asked for 500 and, to be safe, I made up an address, a name (Mary) and a Social Security number. The site asked for more sensitive stuff - a bank account number and a routing number - and I made that up, too.
In spite of the made-up information, in less than a minute, I got baton rouge cash advance response. "Congratulations. Tremont Lending has been selected as your lender and you have been pre-approved for a loan up to 750.