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A Payday Without the Payoff

How payday lenders keep people of color in a debt trap

Photo by Michael S. Williamson/The Washington Post via Getty Images

OnOn Saturday mornings, locals shuffle through the ACE Cash Express at 16th and Mission in San Francisco, greeting one another in Spanish, if at all. The storefront signage — “Fast Loans Prestamos” — is unremarkable here, between pentecostal churches and stands of Tajin-salted mango. Here, in the city’s historically Latinx…

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Sara Haji

Sara Haji

Lawyer, Texpat. @hajinatrix

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