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International Journal of Social Welfare, ISSN 1369-6866, 01/2015, Volume 24, Issue 1, pp. 37 - 47
In the last few decades, payday lending has mushroomed in many developed countries. The arguments for and against an industry which provides small, short‐term... 
payday loans | community finance | poverty | welfare | Australia | Poverty | Payday loans | Welfare | Community finance | SOCIAL WORK | Alternative financial services | Personal loans | Low income groups | Social policy
Journal Article
Journal of Consumer Affairs, ISSN 0022-0078, 2015, Volume 49, Issue 2, pp. 436 - 456
Millions of US households rely on payday loans and pawnshops for short‐term credit. Payday loan interest rates are as high as 25% per 2‐ to 4‐week loans and... 
BUSINESS | ECONOMICS | Pawnbroking | Research | Payday loans | Financial research | Rollovers (Finance) | Studies | Collateral | Consumer credit | Pawn shops | Interest rates
Journal Article
The American Economic Review, ISSN 0002-8282, 05/2009, Volume 99, Issue 2, pp. 412 - 417
This paper identifies and discusses possible liquidity and credit scoring puzzles. Regarding liquidity, it is found that most account holders with a major... 
Loans | Charge accounts | Payday loans | Loan defaults | Lenders | Personal debt | Liquidity | Credit cards | Rationality in the Consumer Credit Market | Consumer credit | Paydays | CONSTRAINTS | ECONOMICS | Forecasts and trends | Loan servicing | Methods | Personal loans | Studies | Consumer behavior | Economic theory
Journal Article
Harvard Law Review, ISSN 0017-811X, 04/2018, Volume 131, Issue 6, p. 1852
Payday loans are high-cost, small-dollar loans to low-income, low-credit borrowers with a short term tracking the borrower's pay cycle and a repayment system... 
Loans | Credit | Borrowing | Payday loans | Empirical methods | Banking | Consumers | Consumer protection
Journal Article
International Journal of Public Administration, ISSN 0190-0692, 03/2017, Volume 40, Issue 4, pp. 348 - 360
This article outlines how successive UK governments' policies first created a three-tier system of credit unions and then posited credit unions as alternatives... 
maximum interest rate | payday loans | Credit unions | financial cooperatives | not-for-profit organizations | Loans | Credit | Payday loans | Government | Credit policy | Government policy
Journal Article
Journal of Applied Business Research, ISSN 0892-7626, 01/2018, Volume 34, Issue 1, pp. 131 - 142
This study discusses regulatory options that federal and state legislatures might consider for the payday loan industry. These options include outright... 
Financial regulation | Payday loans | Subprime lending | Consumer finance | Legislation | Regulation
Journal Article
Journal of law and economics, ISSN 0022-2186, 02/2016, Volume 59, Issue 1, pp. 225 - 225
High-interest payday loans have proliferated in recent years; so too have efforts to regulate them. Yet how borrowers respond to such regulations remains... 
Studies | Payday loans | United States--US | Regulation of financial institutions
Journal Article
Journal of Law and Economics, ISSN 0022-2186, 02/2016, Volume 59, Issue 1, p. 225
  High-interest payday loans have proliferated in recent years; so too have efforts to regulate them. Yet how borrowers respond to such regulations remains... 
Studies | Borrowing | Payday loans | Regulation of financial institutions | Interest rates
Journal Article
Empirical Economics, ISSN 0377-7332, 3/2019, Volume 56, Issue 3, pp. 1011 - 1037
Journal Article
Journal of Family and Economic Issues, ISSN 1058-0476, 06/2018, Volume 39, Issue 2, pp. 360 - 369
The proportion of US households that used a high-cost credit product, payday loans, almost doubled between 2007 and 2013. In this study, we estimated the... 
Credit constraints | Great recession | Payday loans | Survey of consumer finances | CONSUMER | CONSTRAINTS | ECONOMICS | FAMILY STUDIES | HOUSEHOLDS | Alternative financial services | Consumer education | Personal loans | Families & family life | Recessions | Personal finance | Consumer credit
Journal Article
Applied Economics Letters, ISSN 1350-4851, 06/2018, Volume 25, Issue 11, pp. 781 - 784
Using the 2012 National Financial Capability Study, this study investigated the relationship between financial literacy and payday loan use. An instrumental... 
Financial literacy | payday loans | national financial capability study | D12 | D14 | D91 | instrumental variable approach | ECONOMICS | Economic models | Regression analysis | Payday loans
Journal Article
Social Service Review, ISSN 0037-7961, 12/2014, Volume 88, Issue 4, pp. 553 - 593
We examine how payday loan access and use relates to food-related material hardship with a sample of nonelderly households in both the December 2008 and... 
Loans | Payday loans | Bank loans | Food security | Lenders | Wellbeing | Children | Population control | Age | Paydays | COSTS | SOCIAL WORK | SHOCKS | INCOME | ACCESS | Prices and rates | Usage | Laws, regulations and rules | Growth | Credit and debit card industry
Journal Article
Journal of Econometrics, ISSN 0304-4076, 12/2012, Volume 171, Issue 2, p. 205
  Payday loans are small short-term loans that a borrower must repay or renew on his/her next payday. In states where payday lending is legal, many terms of... 
Studies | State regulation | Payday loans | Causality | Econometrics | Bayesian analysis
Journal Article
Journal of Consumer Policy, ISSN 0168-7034, 6/2015, Volume 38, Issue 2, pp. 181 - 202
In the aftermath of the global financial crisis, financial regulation and supervision has been significantly reformed in the UK. As an important part of this... 
Commercial Law | Economic Policy | Financial Conduct Authority | Payday loans | Product regulation | Responsible lending | Social Sciences, general | Consumer credit | Marketing | Alternative financial services | Safety and security measures | Credit bureaus | Personal loans | Studies | Consumer protection
Journal Article
Emerging Markets Finance and Trade, ISSN 1540-496X, 01/2019, Volume 55, Issue 1, pp. 118 - 132
Online lending provides a means of fast financing for borrowers based on their creditworthiness. However, borrowers may undermine this agreement due to early... 
H81 | C53 | default | online lending | prediction | credit | D81 | prepayment | MARKET | MORTGAGE TERMINATION | INFORMATION | PERFORMANCE | PAYDAY LOANS | COMPETING RISKS | BUSINESS | MODEL | HETEROGENEITY | INTERNATIONAL RELATIONS | ECONOMICS | CREDIT RISK | BORROWERS
Journal Article
Applied Economics, ISSN 0003-6846, 10/2019, Volume 51, Issue 46, pp. 5090 - 5103
In 2008, Ohio enacted the Short-Term Loan Law capping interest rates to 28% APR, effectively banning the industry. Previous analysis has shown that while the... 
payday lending | regulation | G20 | D22 | Financial institutions | G28 | alternative financial services | ECONOMICS | Licenses | Licensing | Payday loans
Journal Article
Alternative Law Journal, ISSN 1037-969X, 09/2016, Volume 41, Issue 3, pp. 174 - 178
In August 2014, the Federal Court of Australia delivered a significant decision on the scope and application of new responsible lending laws for credit... 
Australian Securities and Investments Commission | Consumer protection | Payday loans | Law and legislation | Debtor and creditor | Predatory lending | Prices and rates | Price control | Evaluation | Remedies
Journal Article
European Review of Economic History, ISSN 1361-4916, 2/2014, Volume 18, Issue 1, pp. 19 - 38
Payday loans allow salaried workers to solve cash flow problems resulting from unexpected expenses or income drops. Lenders limit moral hazard risks by... 
Salary | Loans | Prices | Payday loans | Lenders | Loan payments | Loan rates | Wages | Economic history | Interest rates | HISTORY OF SOCIAL SCIENCES | ECONOMICS | 17TH-CENTURY | MARKET | PAYDAY | Studies | Economic models | Economic conditions | Moral hazard
Journal Article
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