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Arrest for defaulted payday loans??

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Can you be arrested for a defaulted payday loan?

In a word, NO. You cannot be arrested for defaulting on a payday loan. That threat is used widely by many payday lenders - mostly internet lenders, when they know they could get into trouble for lending where they are not licensed to do so. They are counting on your fear of being arrested to keep you from looking into them further, and they are hoping your fear will make you pay anything to get them off your back.

Tell us what state you're in, who you have loans out with, and how much you have paid on each loan, and we'll be able to offer you some concrete advice.

Sub: #1 posted on Sat, 05/05/2007 - 20:05

(Posts: 4581 | Credits: 654.65)

I live in the state of Louisiana. One loan is with Cash Call. I made the first installment of 125.00. I am late with the second payment of 216.00 by 4days.
I also have a 300 dollar payday loan with Ace check cashing agency. My account is one week late. I have renewed this loan twice already. 45.00 each time.

Sub: #2 posted on Sun, 05/06/2007 - 06:33


Muriel: Please visit my site for payday loan info.

Sub: #3 posted on Sun, 05/06/2007 - 06:40

Anthony Lemons Anthony Lemons

(Posts: 1828 | Credits: 198.75)

No, you can not be arrested. Don't allow anyone to scare you with illegal threats of arrest.

Sub: #4 posted on Sun, 05/06/2007 - 06:42

Anthony Lemons Anthony Lemons

(Posts: 1828 | Credits: 198.75)

My husband defaulted on a payday loan in Sacramento, Ca,
but now we live in Florida. There is an investagator telling my husband that if he does not pay then they will turn it over for prosecution as a mistameanor in Sacramento. The loan is over two years old.

Sub: #5 posted on Thu, 09/04/2008 - 22:05


If it were possible for them to do that, which it is not, then they certainly would not have waited 2 years. He is not an investigator either. He is a scumbag collector. Call his bluff and tell him to have the Sacremento CA District Attorney call you and you will work out payments with him/her.

Sub: #6 posted on Thu, 09/04/2008 - 22:11

Moderators Cum Industry Expert
(Posts: 1078 | Credits: 137.97)

I live in Pennsylvania and I have a person calling me threatening to have me arrested today for a payday loan that I actually believe I paid already.

Sub: #7 posted on Sat, 11/22/2008 - 00:52


tell the bottomfeeder to come and get them backtrack big time.

Sub: #8 posted on Sat, 11/22/2008 - 01:10

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15506 | Credits: 1356.56)

Have a payday loan in Texas and i lost my job in the process can u be arrested for defaulting on this

Sub: #9 posted on Fri, 04/17/2009 - 04:49


You cannot be arrested for a debt. It is a civil matter not a criminal offense.

IF the company is LEGAL and Licensed to lend then the worst case scenario is you can be sued for nonpayment. The company can be awarded a judgment in there defense. This rarely happens, but it is possible. Hope that helped :wink:

Sub: #10 posted on Fri, 04/17/2009 - 04:52

Cool_Abyss Cool_Abyss
(Posts: 2936 | Credits: 173.61)

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