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You might be under the impression that the company’s still in business if you’ve recently looked for a loan from online lender Western Sky Financial.
Western Sky supposedly shut its doors in 2013, immediately after state regulators cracked straight down on its sky-high interest levels for unsecured loans. The business didn’t call itself a payday lender, nonetheless it offered consumers loans at yearly prices in excess of 300per cent. Because of this, it faced legal battles in at minimum five states and ended up being totally prohibited in dozens more. Into the summer time of 2015, Western Sky was at the headlines once more given that it ended up being forced to refund customers huge amount of money through appropriate settlements.
But its internet site is practical and is apparently borrowers that are soliciting, 2 yrs following the company shut up shop. There’s an “Apply” switch, and in the event that you call an unknown number noted on your website, it links one to certainly one of many different third-party loan providers providing signature loans.
Thank you for visiting the world of small-dollar lending, where in actuality the company that lent you money may legally vanish tomorrow, but nevertheless be around to get your payments as the site trolls for brand new borrowers. Understand that you will find cheaper options to businesses like Western Sky if you’re seeking a unsecured loan, including regional credit unions, community banks and online lenders.
Some loan providers are going objectives
Dial the amount from the Western Sky site and you’ll get an automated menu that requests basic private information — including your ZIP code in addition to final four digits of one’s Social Security quantity — then roads you to definitely a loan provider. Read More