英文介紹
A payday loan (also called a paycheck advance or payday advance) is a small, short-term loan that is intended to cover a borrower's expenses until his or her next payday. The loans are also sometimes referred to as cash advances, though that term can also refer to cash provided against a prearranged line of credit such as a credit card (see cash advance). Legislation regarding payday loans varies widely between different countries and, within the USA, between different states.
Some jurisdictions impose strict usury limits, limiting the nominal annual percentage rate (APR) that any lender, including payday lenders, can charge; some outlaw payday lending entirely; and some have very few restrictions on payday lenders. Due to the extremely short-term nature of payday loans, the difference between APR and effective annual rate (EAR) can be substantial, because EAR takes compounding into account. For a $15 charge on a $100 2-week payday loan, the APR is 26 × 15% = 390% but the EAR is (1.1526 − 1) × 100% = 3,685%. Careful reporting of whether EAR or APR is quoted is necessary to make meaningful comparisons.
簡介
工資日貸款”，或者叫做高利貸
工資日貸款是一種小額、短期貸款，用於貸款人下一次發薪之前臨時急用所需（因此還款日期也就是下次發薪之時）。這種貸款額額度往往在100美元到1500美元之間，通常還款期限是2周，通常年利率在390%到780%。也就是說，每貸款100美元，按期還款的時候（一般是兩周左右）需要繳付的利息是15到30美元。
“工資日貸款”發放人（高利貸商人）指出：這種貸款形式往往是那些擁有不良信用記錄的消費者唯一的貸款來源，因為擁有不良信用記錄的消費者一般是無法得到銀行貸款、信用卡或其他方式的低息貸款。對高利貸持批評意見的人認為：絕大多數貸款人在還款日到來的時候發現自己處於比貸款前更糟糕的財務狀況，以至於他們不得不陷入循環貸款的圈套。
維基百科對“工資日貸款”有如下概括：
在美國，“工資日貸款”行業一年的放貸額在2001年是80億美元到140億美元之間，2006年則超過280億美元。
“工資日貸款”公司91%的收入來源於那些不能一次及時付清貸款的貸款人。
只有1%的貸款人能夠一次及時付清貸款（在每年只貸一次款的情況下）。
典型的情況是：貸款人貸款325美元後，還款時（由於無法及時付清貸款導致累計）需要還793美元。
