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The result: Any payday loan operator could set up shop in South Dakota with an agreement with a national bank and sell loans with an interest rate as high as 150 or 200 percent, Nesiba said. All installment loans are underwritten by WLCC Lending BGL doing business as Bison Green Lending. PenFed Credit Union also has repayment periods of 12 - 60 months and a $0 origination fee. Apply online now to get the funds deposited into your bank account today. GWEN IFILL: But, first, payday lending is a $46 billion industry in the U. (15) "Payday loan," any short-maturity loan on the security of a check, any assignment of an interest in the account of a person at a depository institution, any authorization to debit the person's deposit account, any assignment of salary or. In the United States, loans for individuals. Thus, people resort to them to have something fixed in their homes, pay small bills, or return the money borrowed from a friend or family member. 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