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A payday lending business violated Pennsylvania consumer law by providing loans of as much as $500 to people in return for 6 percent interest plus a $150 monthly fee, a state court ruled Tuesday. A payday lending business violated Pennsylvania consumer law by providing loans of as much as $500 to people in return for 6 percent interest plus a $150 monthly fee, a state court ruled Tuesday. A Commonwealth Court panel agreed with the Banking Department's claim that fees charged by Advance America Cash Advance Centers exceeded limits of the state's Consumer Discount Company Act. The Banking ... HARRISBURG, Pa. (AP) - A state court says a payday lending business violated Pennsylvania consumer law. Commonwealth Court says Advance America Cash Advance Centers made loans of as much as $500 to people in return for six percent interest plus a $150 monthly fee. 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