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More than half of all payday loan users have no education beyond high school. Less than 15 of them have a four-year college degree. Unemployed or Disabled. Payday lenders are perfectly happy to borrow against your unemployment or disability benefits. About 1 in best personal loan rates melbourne unemployed Americans has used a payday loan in the past five years although they may have been employed when they took out the loan.
Disabled people use payday loans at an even higher rate. Roughly 12 have used one in the last five years. Separated or Divorced. Only about 13 of American adults are separated or divorced.