Almost 12 million Americans use payday loans each year, but many of them are unable to repay them on time. A new Pew Research Center study found that only 14 percent of borrowers can afford to repay an average payday loan of $400, while 27 percent ultimately incur bank account overdraft fees. Fresno, Calif.-based Faith in Community, a group of religious leaders, says the city's “loan sharks” unfairly target low-income communities. Group director Andy Levine says, "459 percent APR is absolutely unacceptable and immoral.” Faith in Community has called for Fresno city councilors to cap the number of payday lenders in the city at 67. Both payday lenders and consumer advocates agree that the best way to avoid using payday lenders is to learn how to manage personal finances and that payday lenders should only be considered as a last resort.