Payday loan providers that fee 400 percent interest desire access to small-business loans Experts state the industry takes benefit of financial desperation and really should cap its interest levels first On its web site, Payday Money Centers touts the little, short-term loans with a far more than 400 % rate of interest it gives customers through its nearly two dozen Ca shops. However with the economy crashing and fewer clients walking through the doorways, the 23-year-old payday loan provider is…