Intro

Project GREEN (Grassroots Economic Empowerment Network) - based in Grand Rapids, MI - invites you to take this survey to share your experiences and opinions regarding payday lending businesses. A payday loan is a small-dollar, short-term loan that is due in full at the borrower's next paycheck.

Completing this survey is voluntary. You may choose not to take the survey or to leave questions blank (where allowed). By completing this survey, you agree to have your responses included anonymously in Project GREEN's reports on payday lenders. You will also have an opportunity to share your contact information if you would like to be further engaged with Project GREEN on this topic. Please answer the questions that apply to you carefully and honestly. Thanks for sharing your thoughts and experiences!

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* 1. Have you ever used a payday loan?

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* 2. Have you ever used a storefront payday loan store?

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* 3. Have you ever used an online payday loan business?

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* 4. How many times have you used a payday lending business in the last 5 years?

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* 5. What is the largest amount of money you have borrowed from a payday lending business at a single time?

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* 6. How long ago did you first use a payday loan?

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* 7. How long ago did you most recently use a payday loan?

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* 8. Think about your most recent experience using a payday loan. Which of the following best describes your ability to pay back the loan?

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* 9. Do you have a payday loan outstanding now?

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* 10. How much do you owe on this loan today?

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* 11. If you paid off your most recent loan, how long did it take you to pay it off?

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* 12. What was the reason you took out your most recent payday loan?

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* 13. What is the name of the most recent payday lending business you used?

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* 14. When you paid off your most recent loan, how much had you paid back total?

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* 15. How did you first hear about payday loans?

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* 16. When facing a financial emergency, what other options besides payday loans do you consider?

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* 17. What is the annual percentage rate (APR) on your most recent payday loan? If you know the APR, enter it here. If not, enter "not sure."

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* 18. If you could do anything to change the payday loan industry, what would it be?

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* 19. What is your gender?

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* 20. What is your age?

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* 21. What is your race? Select all that apply.

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* 22. Are you Hispanic or Latino?

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* 23. What is your marital status?

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* 24. How many people live in your household?

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* 25. What is your household annual income?

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* 26. What is your individual annual income?

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* 27. Are you currently employed or receiving some other income or benefits? Select all that apply.

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* 28. What is the highest formal education you have completed?

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* 29. Are you willing to talk with someone about sharing your payday loan experience with others?

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* 30. Project GREEN is collecting this survey data and payday loan stories to share with other consumer advocacy organizations and with lawmakers. If you are interested in conducting a short phone interview to talk more about your payday loan experience, please share your contact information. THIS IS COMPLETELY VOLUNTARY. IT IS NOT REQUIRED.

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