<strong>In defence of payday advances</strong>


PhD Candidate - Financial Regulation, Queen's University Belfast

Disclosure statement

Christopher Mallon receives funding through the Department of Employment and Learning (DEL) NI.


Queen's University Belfast provides capital as a founding partner of this discussion UK.

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Payday loan providers have already been the niche of trenchant critique since their appeal exploded after the economic crisis. A present documentary, “Cash at your fingertips: Payday Loans”, desired to counter this by providing an insider go through the industry. The show went behind-the-scenes at payday lender Uncle Buck, which possesses a 2% share of the market behind behemoths such as for example Wonga and QuickQuid, and observed the day to day activities of their customer support and collections procedure.

The payday financing market has changed somewhat since regulation was established just last year – it seems that the industry is making real efforts to completely clean up its act. This being the way it is plus in an age of alternate lending models such as for instance peer-to-peer financing and crowdfunding, we ought to automatically be cautious about dismissing making use of pay day loans.

With a high interest levels, pay day loans are short-term loans being usually paid back on the debtor’s payment date that is next.

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