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Chester Morris plays a working stiff unable to provide for his family on his meager salary. He arranges a loan with the seemingly benign Leo Carrillo, but soon learns that he can't keep up with the usurious interest payments. Carrillo's loan company is actually a racket in league with the local crime organization; Morris gets in so deep that he can't get out, and before long his wife and daughter are in dire jeopardy. As was customary at Columbia Pictures, the screenwriters were handed the title I Promise to Pay and then told to fashion a story from it. In this instance, inspiration came from a recent government crackdown on loan sharks.