CFSI: Know Your Borrower: The Four Need Cases of Small-Dollar Credit Consumers
An increasing number of Americans are turning to nontraditional credit sources for quick access to cash. Every year, an estimated 15 million people access small dollar credit (SDC) products—defined in this report as payday loans, pawn loans, deposit advance loans, auto title loans, and non-bank installment loans—to meet their financial needs. And tens of millions more rely on subprime credit cards, checking account overdrafts, and other expensive forms of credit when their access to
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