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The magnitude of this cost would vary across lenders; it would appear, based on the analysis presented above, to be greatest for vehicle title installment lenders, who currently make loans to borrowers with substantially lower income than lenders making payday installment loans.
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The proposed rule would require lenders to consult their own records and the records of their affiliates to determine whether the borrower had taken out any recent covered loans or non-covered bridge loan and, if so, the timing of those loans, as well as whether a borrower currently has an outstanding loan and has demonstrated difficulty repaying the loan.
Since the loan is based on the value of the goods used to secure the loan, there are typically no credit checks, and approval decisions are made quickly.
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ZIP codes near Kissimmee
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