The Truth About Payday Loans (and Why They Should Be Illegal)

from High Heels and Hay Bales · host Adrienne Hines, Kristen Paras

Payday loans are the scam hiding in plain sight.In this episode, Adrienne and Kristen break down how payday lending works, why it preys on people in financial crisis, and how it traps millions in debt with sky-high APRs.Kristen shares her own experience taking out payday loans just to cover bills — only to realize she paid back way more than she borrowed. We’re talking 391% APR vs. 36% on a credit card, lenders who target vulnerable communities, and the fact that there are more payday lenders in the U.S. than there are McDonald's restaurants. If you’ve ever wondered how these loans keep people stuck (and why they make us so angry), this episode is for you.👉 Don’t forget to follow High Heels & Hay Bales wherever you listen so you never miss an episode.www.highheelsandhaybales.com@theladylikelawyer @parasfamilyfarmbackup

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This episode was published on October 2, 2025.

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