Small-Dollar Loans

Pew's Safe Small-Dollar Loans Research Project focuses on conducting research that demonstrates the needs, perceptions, and motivations of consumers, as well as the impacts of market practices and potential regulations. Based on this research, the project puts forth policy recommendations designed to protect consumers from harmful practices and promote safe and transparent small-dollar credit.

Research & Analysis

  • Payday Lending in America

    Pew’s Payday Lending in America series sheds light on the experience of borrowers. The research also details fundamental problems with payday loans, and suggests how policymakers can help solve these problems. Read More

  • Auto Title Loans

    This report incorporates results from the first nationally representative telephone survey of this market, a series of focus groups with borrowers, and an examination of regulatory data and company filings to illuminate lender practices, borrower experiences, and common problems in the auto title loan market. Read More

  • Trial, Error, and Success in Colorado's Payday Lending Reforms

    In Colorado, a 2007 law that attempted to reform the payday lending industry failed to achieve policymakers' goals of reducing harm to payday borrowers while preserving access to small-dollar credit. The law preserved lump-sum lending, allowing lenders to make four consecutive balloon-payment loans but then requiring them to offer borrowers an installment plan. Read More

Media Contact

Mark Wolff

Director, Communications

202.540.6390