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The end result of Payday Loan Regulations from the Use of Other Credit Products Alternative Financial Solutions a wide range of documents examine the discussion between access to pay day loans and also the use of other high-interest items. Skiba and Tobacman (2007) provide mixed evidence concerning the substitutability of payday and pawnshop loans. They discover that people that are scarcely denied pay day loans due to low fico scores are more inclined to simply take down a pawnshop loan over the following 2 times. Nonetheless, such individuals usually do not appear any longer more likely to make use of pawnshop ...