How To Vote On Issue 5
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Uploader Comments (cesarcastro18)
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All Comments (5)
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nope not really.. they're all pretty much as dumb as you are who think theres 391% interest.
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I love that payday loan companies sponsor ads proclaiming issue 5 "the job killing bill", when it really just eliminates legalized loan sharking.
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9:59
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legalizes 391%APR???? 15 bucks per 100 is 15% Lets give you a scenario castro since you think everything the govt and papers say is accurate. Lets say I get a 300 dollar loan. I write the check out for 345.00 because 15x3 is 45 bucks. (flat rate fee of 15 dollars x 3) just makin sure u understand. lets say 3 months goes by and you still havent paid the check. Guess how much you owe. A WHOPPING 345 bucks! (plus bank fees) WOW that 391% interst sure made that check go up a shit ton!! open ur eyes
phitau09 3 years ago
fortunately Ohioans did open their eyes and approved issue 5
cesarcastro18 3 years ago
god u are sad with a capital S. you need educated boy. First off this apr thing you got going on is retarded. its a two week loan not an annual loan. do you know the difference? Second, house bill 545 uses the 28%apr because they dont get the difference from 365 days to 14days. In other words..they want to cap the flat rate fee of 15 dollars per 100 down to about 1 or 2 dollars. lenders couldnt make any money under that flat fee cap. Heaven forbid they make a profit in a capitalistic society.
phitau09 3 years ago
I guess you would also call sad the thousands that voted to approve issue 5 and ban triple-digit interest!
cesarcastro18 3 years ago
legalized loan sharking? You dont think people are gonna lose their job? You sound pretty ignorant.
phitau09 3 years ago
I am not sure where you got the "legalized loan sharking" language from...but i guess when the payday loan industry pays you to post comments on random videos all you have to do is to go with the same old talking points...whether or not it even applies to the video presented...is 28% apr not enough for the multi-million payday industry?
cesarcastro18 3 years ago