Article2009

Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?

Sumit D. Agarwal · Paige Marta Skiba · Jeremy Tobacman

167 citations0/0 files storedAmerican Economic Review

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Abstract

Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles? by Sumit Agarwal, Paige Marta Skiba and Jeremy Tobacman. Published in volume 99, issue 2, pages 412-17 of American Economic Review, May 2009

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2002Do Liquidity Constraints and Interest Rates Matter for Consumer Behavior? Evidence from Credit Card Data 1995Fringe banking: check-cashing outlets, pawnshops, and the poor 2009Liquidity Constraints and Imperfect Information in Subprime Lending 2010Financial Literacy and Financial Planning: Evidence from India 2007Payday Lending 2008Credit Card Debt Puzzles and Debt Revolvers for Self Control 2008Payday Loans, Uncertainty and Discounting: Explaining Patterns of Borrowing, Repayment, and Default 2007The choice at the checkout: Quantifying demand across payment instruments

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