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  • February 2009
  • Background Note
  • HBS Case Collection

An Introduction to Consumer Credit

By: Peter Tufano
  • Format:Print
  • | Pages:36
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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, and informal lending.

Keywords

Credit; Financing and Loans; Personal Finance; United States

Citation

Tufano, Peter, Andrea Ryan, and Daniel Schneider. "An Introduction to Consumer Credit." Harvard Business School Background Note 209-107, February 2009.
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About The Author

Peter Tufano

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