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according accounts agencies amount average loan bad-debt losses banking department borrower's capital cash loan chain companies chain lenders charge-off experience classiﬁcation comaker competition consumer credit consumer instalment credit risk data supplied debt effect ﬁeld ﬁgures ﬁnancial ﬁrst ﬂat funds gross income groups Household Finance Corporation Illinois income-receiving units increase indicate instalment credit interest Jersey lending less licensed lenders loan companies loan office loan ofﬁces loans outstanding maximum legal rate maximum rate Missouri number of licensees number of loans occupational operations payment percent per month Percentage Distribution period personal ﬁnance business Personal Finance Chain personal ﬁnance companies personal ﬁnance lenders Personal Finance Licensees present borrowers proﬁt proﬁtable rate change rate of charge reﬁnancing relatively Russell Sage Foundation sales ﬁnance companies shows signiﬁcant size of loan small loan business Small Loan Law speciﬁc Table tion total expenses total number Uniform Small Loan unpaid balance volume of loans West Virginia