This educational film from Edison was made in collaboration with a Progressive-Era nonprofit that was fighting for equitable credit for working people. It has a clear message about the “right way to get a loan,” but is rather basic in terms of film technique.
The movie begins by introducing our protagonists: The “Jenks,” a middle class family with a sick daughter (Edna May Weick) on a set that appears to be a crowded urban apartment. The Intertitles inform us that they are having financial concerns due to the unexpected expense of her malady, and there is concern that they will lose their rented furniture. Then, Mr. Jenks (Water Edwin) spots an ad in the paper for a loan company that promises low rates and easy payments. The next scene shows the office of the loan company. Here, a poor woman on one side of a counter pleads for assistance, but is turned away by the female clerk on the other side. Then, our couple enters. The wife (Gertrude McCoy) takes a seat while the man goes up to the same counter the poor woman was turned away from. He is chastised when he steps a bit too far into the workspace of the clerk. She takes his information, however, and in the next scene we see the loan agent (played by Charles Ogle, who was the Frankenstein monster in the 1910 “Frankenstein”) visiting their home to make certain they have adequate collateral. He offers them a $25 loan, to be paid back in six “easy” payments of $7.50 per month – totalling $45! Mr. Jenks at first refuses, but the loan shark won’t negotiate and he needs the money, so he reluctantly signs the papers. The loan shark gives him the money, then takes a bill off the top to cover “drawing up the paperwork.”