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He quickly got in touch with the state Department of Financial Institutions and was told that Ameriloan is not licensed in the state of Washington to make payday loans. As a result, Ameriloan could not make Coons pay back the loan. Payday loan superstore. Having borrowed from a storefront payday lender once, Coons thought online loans worked the same way.
He closed his bank account and is off the hook. Payday loans are only legal in certain states, click to visit the website for the Consumer Federation of America to learn about your state's law.