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12 month installment loans

“The aftereffect of State Bans of Payday Lending on Consumer Credit Delinquencies.” Desai, Chintal A.; Elliehausen, Gregory. The Review that is quarterly of and Finance, 2016. doi: 10.1016/j.qref.2016.07.004.

Abstract: “The financial obligation trap theory implicates payday advances as a factor exacerbating customers’ monetary distress. Appropriately, restricting use of pay day loans could be anticipated to reduce delinquencies on main-stream credit services and products. We try this implication regarding the theory by analyzing delinquencies on revolving, retail, and installment credit in Georgia, new york, and Oregon.