Payday Loan Demand 2026: A 10% Credit Card APR Cap Would Be the Best Thing That Ever Happened to Subprime Lenders
Payday loan industry trends If Washington squeezes pricing power out of revolving credit, banks will not absorb the hit. They will change the rules. That is not speculation. That is how unsecured lending works. When you cannot price for risk, you stop taking it. President Trump has floated a one-year 10% cap on credit card […]
The Rule That Was Supposed to Save the Poor But Made Them Poorer
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2026: Navigating the Texas Credit Access Business CAB & CSO: A Comprehensive Guide for CABs, CSOs, 3rd-Party Lenders, Regulators & Consumers
The personal lending landscape can be complex, filled with various regulations and guidelines that lenders must navigate. Texas, known for its robust economic environment, is no exception. Get your copy delivered immediately to your Inbox One option available to lenders in Texas is to operate under the Credit Access Business (CAB) / Credit Services Organization […]
Payday, Title, and Installment Loan Demand in 2026: Where Profits Are Headed
Is small-dollar loan demand still strong in 2026? See what the latest public data suggests about payday, title, installment, and line-of-credit loans, plus the underwriting and acquisition shifts that protect net profit.
Jer in the WallStreet Journal
Payday Lenders Join With Indian Tribes By: Jessica Silver-Greenberg OVERLAND PARK, Kan., From rows of cubicles beneath handwritten signs that say “CUSTOMER SERVICE IS AN ATTITUDE, NOT JUST A DEPARTMENT,” more than 150 employees at AMG Capital Services Inc. make loans and collect payments throughout the U.S.The Modoc chief said the payday-loan business is a […]
Online vs. Storefront Lending in 2026: Where Profits (and Pitfalls) Hide
Ever had that “big choice” moment, double down on your storefronts, or swing fully into digital? I was asked three times last week: “Jer, what’s really working in 2026, boots on the ground or all-in online?” Let’s get blunt. Every subprime loan operator staring down a margin squeeze or new compliance fire wants a silver […]
The Future of Car Title Loans: Risks, Rewards and Where Lenders Still Win
The future of car title loans is not about easy money. It is about whether you can manage risk, regulation, and reputation better than the next operator. Title lending is still profitable in the right states with the right model, but dabblers will get wiped out. In this guide, we will walk through where the […]
They Laughed When I Predicted the Death of Payday Loans… Until They Saw What I Replaced Them With
The Payday Loan Industry’s Trajectory > Dinosaur The payday loan industry, providing short-term, high-interest loans to consumers facing cash shortfalls, is at a pivotal crossroads. Valued at approximately $37.5 billion globally in 2025 (with the U.S. holding about 65% market share), it continues to serve an estimated 7.8 million U.S. borrowers annually, down from 12 […]
How to Start a Payday Loan Business in 2026
How to Loan Money to Strangers without Getting Your Butt Handed to You. “The street-smart playbook for payday loan profits without getting your butt handed to you.” If you’re still lending money the same way you did five years ago, you’re already bleeding and you don’t even know it yet. “WARNING: Most payday lenders bleed […]