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Payday loans and consumer financial health

16 references·16 citing·38 second hopsampled

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References

1997Golden Eggs and Hyperbolic Discounting6,117 cited
2011Information Disclosure, Cognitive Biases, and Payday Borrowing546 cited
2011The Real Costs of Credit Access: Evidence from the Payday Lending Market*508 cited
2011Payday lenders: Heroes or villains?400 cited
2009Restricting consumer credit access: Household survey evidence on effects around the Oregon rate cap269 cited
2010An Introduction to the FRBNY Consumer Credit Panel268 cited
2015Payday Loan Choices and Consequences218 cited
2014In Harm's Way? Payday Loan Access and Military Personnel Performance197 cited
2007Payday Lending183 cited
2012How Payday Credit Access Affects Overdrafts and Other Outcomes161 cited
2008Payday Loans, Uncertainty and Discounting: Explaining Patterns of Borrowing, Repayment, and Default157 cited
2019Do Payday Loans Cause Bankruptcy?136 cited
2011Bouncing out of the banking system: An empirical analysis of involuntary bank account closures133 cited
2008Do Payday Loans Cause Bankruptcy?102 cited
2001PAYDAY ADVANCE CREDIT IN AMERICA: AN ANALYSIS OF CUSTOMER DEMAND91 cited

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2009

WHERE IS THE MISSING CREDIT CARD DEBT? CLUES AND IMPLICATIONS

82 cited

Cited by

2019Ability or opportunity to act: What shapes financial well-being?104 cited
2020Predatory Inclusion in Consumer Credit: Explaining Black and White Disparities in Payday Loan Use76 cited
2015Do state regulations affect payday lender concentration?38 cited
2018High‐Cost Credit and Consumption Smoothing37 cited
2021The effects of disclosure and enforcement on payday lending in Texas36 cited
2018Predicting Prepayment and Default Risks of Unsecured Consumer Loans in Online Lending27 cited
2016Access to Short-Term Credit and Consumption Smoothing within the Paycycle27 cited
2022Complementarity or Substitution: A Study of the Impacts of Internet Finance and Rural Financial Development on Agricultural Economic Growth26 cited
2016The effect of state bans of payday lending on consumer credit delinquencies26 cited
2015Banks and Payday Lenders: Friends or Foes?25 cited
2018Financial literacy and high‐cost borrowing: Exploring the mechanism20 cited
2020The Negative Association between Alternative Financial Services Usage and Financial Well-Being: Variations by Income17 cited
2022A National Examination on Payday Loan Use and Financial Well-being: a propensity score matching Approach16 cited
2016The Potential for Savings Accounts to Protect Young-Adult Households from Unsecured Debt in Periods of Macroeconomic Stability and Decline15 cited
2025Consumer Credit Reporting Data14 cited
2022Payday lenders and premature mortality11 cited