Writing for the unanimous court, Justice Judith L. French determined that the Short-Term Loan Act (STLA) does not prohibit lenders registered under the separate Mortgage Loan Act (MLA) from making interest-bearing, payday-style loans. Also, under the MLA, a registered lender is permitted to require that an interest-bearing loan be repaid in a single installment, Justice French wrote. The decision reverses the judgment of the Ninth District Court of Appeals and returns the case to the trial court cash advance las cruces additional proceedings.

Ohio Neighborhood Finance, which operates lending businesses called Cashland, registered as a lender under the MLA in 2008. The company is not registered to make loans under the STLA.

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