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Apr 6, 2017 Yongqianbao, whose name means "use-money pal," mostly issues short-term "payday" loans of 500 yuan to 5,000 yuan ($72.50 to $725). About 80% of its borrowers are younger than 30. Loans past the 60-day due date stood at 2.8% in February, according to Mr. Jiao, a former project manager for search 

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Capital for Communities is a new column in Cascade that will explore trends and emerging practices in community development finance. Since the CFPB lacks authority to limit interest rates, payday loans — one popular type of small consumer loan product in which borrowers are charged average annual percentage