Praise Google for Banning Payday Loan Advertisements

Target: Sunday Pichai, CEO of Google

Goal: Praise Google for discontinuing advertisements for payday loans that trap low-income individuals in debt.

Google will no longer show advertisements for payday loans, which target low-income people and trap them in endless debt cycles. Google has decided that these loans, which are due in short periods of time and have very high interest rates, are too harmful to advertise. This is a positive step toward eliminating predatory payday lending.

Payday loans appeal to low-income people who do not have enough money in their savings accounts to cover sudden costs like car repairs or hospital bills and do not have credit cards because of poor credit scores. Payday lenders hand out small loans which must be repaid within short periods of time, often as little as two weeks—hence, the name “payday” loan.

The short repayment period means that the borrower is often unable to make the payment, and when a borrower cannot make the payment, the lender charges an extremely high interest rate. As a result, the borrower must continue to take out more payday loans to keep up with the debt, which they are never able to fully repay.

Google has recognized that payday lending is an abhorrent practice which puts low-income people in even worse financial situations. The company’s decision to stop showing advertisements for payday loans is commendable. Sign the petition to praise this decision.


Dear Mr. Pichai,

I want to thank you for banning payday loan advertisements from Google. Payday loans are extremely harmful to low-income people and often trap them in cycles of debt from which they cannot escape. These lenders rob from the poor, who have the least amount of resources at their disposal.

Payday lenders are largely unregulated in many states. They are able to hand out loans that they know the borrower will not be able to repay, and they are never held accountable for taking advantage of these people. Banning payday loan ads will hopefully prevent people from falling into this trap and will send a message that payday lending must be heavily regulated, if not outlawed entirely.

As the world’s largest search engine and a major player in the tech and advertising industry, Google is making a powerful and far-reaching statement with its ban on payday loan advertisements. I commend you for the effort and hope it will help end the unethical practice of payday lending.


[Your Name Here]

Photo credit: Simon

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