Lived Experiences with Payday Loans: African American Single Mothers and Employees

Lane Riley, Leslie E. Green, Virginia S. Zuiker

Research output: Contribution to journalArticlepeer-review


Payday loans are disproportionately used by African Americans and women including single mothers. Little empirical research exists incorporating data from payday loan employees. This exploratory study used a phenomenological approach and in-depth interviews to examine the lived experiences of two groups: African American single mothers who used payday loans and former payday loan employees who extended and collected on payday loans. The interviews resulted in four themes from the single mothers' experiences including “right decision at the time” and “it's addictive” and five themes from the former employees including “help the customer come back” and “relating to the customers.”.

Original languageEnglish (US)
Pages (from-to)301-316
Number of pages16
JournalFamily and Consumer Sciences Research Journal
Issue number4
StatePublished - Jun 2022

Bibliographical note

Publisher Copyright:
© 2022 The Authors. Family & Consumer Sciences Research Journal published by Wiley Periodicals LLC on behalf of American Association of Family and Consumer Sciences.


  • African Americans
  • debt trap
  • payday loans
  • qualitative
  • single mothers


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