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How Do Payday Loans Affect Borrowers? Evidence from the U.K. Market

Citations

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Cited by:

  1. Liberman, Andres & Paravisini, Daniel & Pathania, Vikram, 2021. "High-cost debt and perceived creditworthiness: Evidence from the UK," Journal of Financial Economics, Elsevier, vol. 142(2), pages 719-736.
  2. Dasgupta, Kabir & Mason, Brenden J., 2020. "The effect of interest rate caps on bankruptcy: Synthetic control evidence from recent payday lending bans," Journal of Banking & Finance, Elsevier, vol. 119(C).
  3. Daniel Bjorkegren & Joshua Blumenstock & Omowunmi Folajimi-Senjobi & Jacqueline Mauro & Suraj R. Nair, 2022. "Instant Loans Can Lift Subjective Well-Being: A Randomized Evaluation of Digital Credit in Nigeria," Papers 2202.13540, arXiv.org.
  4. Benjamin L. Collier & Daniel A. Hartley & Benjamin J. Keys & Jing Xian Ng, 2024. "Credit When You Need It," NBER Working Papers 32845, National Bureau of Economic Research, Inc.
  5. Matthew Kubic, 2025. "The benefits of article 11 pro forma disclosure," Review of Accounting Studies, Springer, vol. 30(3), pages 2768-2821, September.
  6. Jenkins, Stephen P., 2022. "Getting the Measure of Inequality," IZA Discussion Papers 14996, IZA Network @ LISER.
  7. A. Håkansson, 2020. "Role of Gambling in Payback Failure in Consumer Credit—Data from a Large Body of Material Regarding Consumer Loan Recipients in Sweden," IJERPH, MDPI, vol. 17(8), pages 1-18, April.
  8. K. Majamaa & A.-R. Lehtinen, 2022. "An Analysis of Finnish Debtors Who Defaulted in 2014–2016 Because of Unsecured Credit Products," Journal of Consumer Policy, Springer, vol. 45(4), pages 595-617, December.
  9. Francisco Gomes & Michael Haliassos & Tarun Ramadorai, 2021. "Household Finance," Journal of Economic Literature, American Economic Association, vol. 59(3), pages 919-1000, September.
  10. Bilal Islah & Ahmed Zoulati, 2025. "Keeping in Place After the Storm-Emergency Assistance and Evictions," Papers 2505.14548, arXiv.org, revised Nov 2025.
  11. Lodermeier, Alison, 2024. "Credit access and housing insecurity: Evidence from winter utility shutoff protections," Journal of Public Economics, Elsevier, vol. 230(C).
  12. Will Dobbie & Andres Liberman & Daniel Paravisini & Vikram Pathania, 2021. "Measuring Bias in Consumer Lending [Loan Prospecting and the Loss of Soft Information]," The Review of Economic Studies, Review of Economic Studies Ltd, vol. 88(6), pages 2799-2832.
  13. Leandro Carvalho & Arna Olafsson & Dan Silverman, 2024. "Misfortune and Mistake: The Financial Conditions and Decision-Making Ability of High-Cost Loan Borrowers," Journal of Political Economy, University of Chicago Press, vol. 132(9), pages 3173-3213.
  14. Victor Medina-Olivares & Raffaella Calabrese, 2023. "Detecting Consumers' Financial Vulnerability using Open Banking Data: Evidence from UK Payday Loans," Papers 2306.01749, arXiv.org.
  15. Danisewicz, Piotr & Elard, Ilaf, 2023. "The real effects of financial technology: Marketplace lending and personal bankruptcy," Journal of Banking & Finance, Elsevier, vol. 155(C).
  16. Ryszard Kowalski & Grzegorz Wałęga, 2022. "Regulation of Usury: Justification, Consequences, and Some Lessons from Polish Experience," Gospodarka Narodowa. The Polish Journal of Economics, Warsaw School of Economics, issue 2, pages 57-73.
  17. Guttman-Kenney, Benedict & Firth, Chris & Gathergood, John, 2023. "Buy now, pay later (BNPL) ...on your credit card," Journal of Behavioral and Experimental Finance, Elsevier, vol. 37(C).
  18. Thereza Balliester Reis, 2025. "Financialisation of everyday life in the Global South – A study about low-income Brazilian workers," Working Papers 268, Department of Economics, SOAS University of London, UK.
  19. Leong, Kaiwen & Li, Huailu & Pavanini, Nicola & Walsh, Christoph, 2024. "The effects of policy interventions to limit illegal money lending," Journal of Financial Economics, Elsevier, vol. 159(C).
  20. Balliester Reis, Thereza & Kamau, Vincent Mugo, 2025. "Are low-income workers financially irresponsible? Analysing financial literacy and over-indebtedness in Nairobi," CRITICAL PERSPECTIVES ON ACCOUNTING, Elsevier, vol. 102(C).
  21. Shihan Xie & Victoria Wenxin Xie & Xu Zhang, 2024. "Extreme Weather and Low-Income Household Finance: Evidence from Payday Loans," Staff Working Papers 24-1, Bank of Canada.
  22. Gao, Mingze & Leung, Henry & Liu, Linhui & Qiu, Buhui, 2023. "Consumer behaviour and credit supply: Evidence from an Australian FinTech lender," Finance Research Letters, Elsevier, vol. 57(C).
  23. Fu, Shun & Li, Emma & Liao, Li & Wang, Zhengwei & Xiang, Hongyu, 2025. "Unveiling the villain: Credit supply and the debt trap," Journal of Empirical Finance, Elsevier, vol. 81(C).
  24. Wang, Jialan & Burke, Kathleen, 2022. "The effects of disclosure and enforcement on payday lending in Texas," Journal of Financial Economics, Elsevier, vol. 145(2), pages 489-507.
  25. Kowalski, Ryszard & Wałęga, Grzegorz, . "Regulacja lichwy: uzasadnienie, konsekwencje i wybrane wnioski z polskich doświadczeń," Gospodarka Narodowa-The Polish Journal of Economics, Szkoła Główna Handlowa w Warszawie / SGH Warsaw School of Economics, vol. 2022(2).
  26. Megan Doherty Bea & K. Bley, 2022. "(Un)conditional consumer protections in high‐cost lending regulation: Impacts on local lending geographies," Journal of Consumer Affairs, Wiley Blackwell, vol. 56(4), pages 1561-1596, December.
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