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Jan 3, 2018 Horowitz said banks could offer small installment loans that would be even cheaper for borrowers, while still earning more interest than they would from credit cards. Banks have the size to process loans like these cheaply and profitably. As we said, many payday borrowers are already bank customers with 

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Dec 4, 2017 A "safer" payday loan sounds like an oxymoron. Critics have branded these notoriously high-cost loans as debt traps that cause borrowers to go ever deeper in the hole. Thanks to a recent regulatory change, it now may be possible for banks to offer small, short-term loans that could be a lot less dangerous