Payday loan firms charge up to 500% interest, too, which they're doing because they're not using the FICA scores. That said, there does seem to be a huge area i

Payday loan firms charge up to 500% interest, too, which they're doing because they're not using the FICA scores. That said, there does seem to be a huge area in which one could undercut that market...if they were willing to hold the debt. While we're talking about holding the debt, you could drop into microloans in the kiva style, and start with only four figures.