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Right now, on your smartphone, there are loan sharks ready to devour your money: harmless-looking apps that lend at predatory annual percentage rates over 300%—rates that violate New York’s usury law. These are payday loan apps. These lenders trap people in long cycles of reborrowing and debt. Depending on the app used, the typical borrower takes out between around 25 and 100 loans a year.
As a journalist, you can create a free Muck Rack account to customize your profile, list your contact preferences, and upload a portfolio of your best work.
