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Who Uses Payday Loans and Why. According to the 2012 Pew report, 12 million Americans take out payday loans each year. Warren cash advance places 5.
5 of all American adults have used one within the past five years. The people most likely to use payday loans are: Young(ish). More than half of all payday loan users are between 25 and 44 years old. About 9 of people in their 20s, and 7 to 8 of people in their 30s, have used this type of loan in the last five years.
By contrast, people over 60 years old are unlikely to use payday loans. About 24 of all Americans are 60 or older, but only 11 of payday borrowers are. African-American.
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