An Introduction to Consumer Credit

Posted: 21 May 2009

See all articles by Peter Tufano

Peter Tufano

Harvard Business School; University of Oxford Said Business School

Andrea Ryan

affiliation not provided to SSRN

Daniel Schneider

Princeton University

Date Written: February 20, 2009

Abstract

This note reviews a variety of shorter-term consumer credit products in the U.S. with an emphasis on the types of products that low and moderate-income consumers use. Included here are the following: credit cards, bank overdraft products, payday lending, personal loans and peer-to-peer lending, home-equity lending, rent-to-own contracts, auto-title lending, pawnbroking, refund-anticipation loans, informal lending.

Suggested Citation

Tufano, Peter and Ryan, Andrea and Schneider, Daniel J., An Introduction to Consumer Credit (February 20, 2009). HBS Note No. 209-107, Harvard Business School Finance Unit, Available at SSRN: https://ssrn.com/abstract=1407703

Peter Tufano (Contact Author)

Harvard Business School ( email )

Soldiers Field Road
Morgan 270C
Boston, MA 02163
United States

University of Oxford Said Business School

Park End Street
Oxford, OX1 1HP
Great Britain

Andrea Ryan

affiliation not provided to SSRN ( email )

Daniel J. Schneider

Princeton University

284 Wallace Hall
Office of Population Research
Princeton, NJ 08544
United States

HOME PAGE: http://www.princeton.edu/~djschnei

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