ArticleSSM - population health2018
Short-term lending: Payday loans as risk factors for anxiety, inflammation and poor health.
Article in SSM - population health, 2018. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Cited by 16 papers.
What it found
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The abstract states no effect estimate the extractor could read, or names no intervention and outcome on the map, so this paper lights no cell and moves no belief. It is still indexed, cited and linked below.
The trial behind it
Trials whose registry record cites this paper, or whose number appears in the abstract. A trial that started after this paper was published is citing it as background, not reporting it.
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Who cites it
16 citing papers in PubMed.
- Change in Advertising Exposure of Unhealthy Commodities After the Implementation of an Outdoor Advertising Restrictions Policy in Bristol, UK: A Descriptive Study.Journal of urban health : bulletin of the New York Academy of Medicine · 2026Article
- Medical debt and subsequent use of alternative financial services among US adults.Health affairs scholar · 2026Article
- A systematic review examining the relationship between debt and the mental health outcomes of anxiety, depression and suicidality within the United States.SSM - population health · 2026Review
- On poverty and trauma: associations between neighbourhood socioeconomic deprivation, post-traumatic stress disorder severity and treatment response.European journal of psychotraumatology · 2025Article
- Not enough: Medicaid expansion, medical debt, and cost avoidance in rural American Indian and Alaska Native households.The Journal of rural health : official journal of the American Rural Health Association and the National Rural Health Care Association · 2025Article
- Financial adversity and subsequent health and wellbeing during the COVID-19 pandemic in the UK: A qualitative interview study.SSM. Qualitative research in health · 2023Article
- Black/white differences in the relationship between debt and risk of heart attack across cohorts.SSM - population health · 2023Article
- Article
- Exploring the Relationship between Debt and Health after Incarceration: a Survey Study.Journal of urban health : bulletin of the New York Academy of Medicine · 2023Article
- Payday lenders and premature mortality.Frontiers in public health · 2022Article
- The Acceptability and Initial Effectiveness of "Space From Money Worries": An Online Cognitive Behavioral Therapy Intervention to Tackle the Link Between Financial Difficulties and Poor Mental Health.Frontiers in public health · 2022Article
- Trends in generalised anxiety disorders and symptoms in primary care: UK population-based cohort study.The British journal of psychiatry : the journal of mental science · 2021Article
- Social inequalities, debt, and health in the United States.SSM - population health · 2021Article
- Role of Gambling in Payback Failure in Consumer Credit-Data from a Large Body of Material Regarding Consumer Loan Recipients in Sweden.International journal of environmental research and public health · 2020Article
- Predicting geographical variation in health-related quality of life.Preventive medicine · 2019Article
- Television gambling advertisements: Extent and content of gambling advertisements with a focus on potential high-risk commercial messages.Addictive behaviors reports · 2019Article
Corrections and comments
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Authors and funding
3 authors.
Funding
Abstract
While research now consistently links consumer financial debt with adverse emotional health outcomes, specific forms of debt and their impact on measures of physical health are underexplored. This gap in knowledge is significant because different forms of loans and debt may have different experiential qualities. In this paper, we focus on a type of unsecured debt - short-term/payday loan borrowing - that has risen dramatically in recent decades in the United States and is characterized by predatory, discriminatory, and poorly regulated lending practices. Using data from a study of debt and health among adults in Boston, MA (n=286), we test whether short-term borrowing is associated with a range of emotional and physical health indicators. We find that short-term loans are associated with higher body mass index, waist circumference, C-reactive protein levels, and self-reported symptoms of physical health, sexual health, and anxiety, after controlling for several socio-demographic covariates. We discuss these findings within the contexts of regulatory shortcomings, psychosocial stress, and racial and economic credit disparities. We suggest that within the broader context of financial debt and health, short-term loans should be considered a specific risk to population health.
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Registered trials
Read under generation 80e0d062 · epoch 390. Bibliography from PubMed, PubMed Central and OpenAlex; grants from NIH RePORTER; trial links from ClinicalTrials.gov; estimates, votes and beliefs from the OpenQuestion graph.