Pew’s studies have shown that, weighed against the standard model that is lump-sum cash advance clients overwhelmingly help requiring an installment re re payment structure that provides them additional time to settle loans in small amounts that match their spending plans. One loan provider explained, “I discovered in Colorado which our customers such as the affordability,” and noted the industry’s likely change for the reason that way. 10 your head regarding the trade that is primary for online loan providers said her members have mostly changed their products or services from two-week lump-sum loans to installment loans in reaction to customer need. 11 (See Figure 1.)