Ross D. Franklin/AP

Indications like this 1 in Phoenix could become prevalent in Pennsylvania in the event that Senate approves a bill making it easier for such establishments to work within the Keystone State.

No short-term loan providers, also known as payday lenders, are certified to use in Pennsylvania. But a bill pending into the state Senate would ensure it is easier to allow them to do this.

The bill allows payday lenders to impose a 12.5 per cent finance fee for each short-term loan ­— equivalent to a yearly percentage price (APR) of almost 326 percent. Presently their state’s price limit is normally about 27 per cent for loans as high as $25,000 and 6 per cent for loans as much as $50,000.

The bill would cap borrowers’ pay day loan debt at $1,000 or one-quarter of these gross month-to-month earnings, whichever is less.

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