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The payday-lending industry says the loans help customers short on cash who have nowhere else to turn. Lisa Wilkins, legislative director for AMVets in Indiana, says loans with sky-high interest rates often target lower-income working families, seniors and veterans who may not be able to qualify for conventional loans.

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A coalition of nonprofits and community representatives, led by the Indiana Institute for Working Families and including Fort Wayne’s own Brightpoint, recently defeated bill HB 1319 that would have expanded payday loans with an APR up to 222%.

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FILE - In this Jan. 13, 2017 file photo, Senate President David C. Long, R-Fort Wayne, speaks at the Statehouse in Indianapolis. Long, the top Republican in the Indiana Senate opposes a payday

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Payday loans generate debate at low-income Indiana borrowers has passed the Indiana House of Representatives and is working its way through the Indiana Senate. Under that measure, payday