this post was submitted on 11 Feb 2026
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Yes. Previously the alternative was payday loans, which charged exorbitant interest rates.
People have tried to ban these sorts of predatory loan businesses before but it usually forces people into the hands of organized crime loan sharks who charge even more exorbitant interest and exact brutal punishments on people who don’t pay up.
They should be illegal. The literal only difference between these ‘services’ and the mob is they typically don’t break your knees.
But that’s not the only despicable thing about the mafia’s racket.
These people squeeze the last blood from people who often become homeless anyhow; whereas if landlords had souls, many people could at least keep their housing and not be so vulnerable to predators.