Financial Health Network
"Much of the debate about small-dollar credit has heretofore focused on price, as expressed in Annual Percentage Rates (APR), as a primary determinant of quality. While affordable prices are certainly one aspect of high-quality small-dollar loans, what is “affordable” to any given borrower depends on many factors, including the loan’s size, repayment period, interest rate and fees, as well as the individual borrower’s unique financial situation….”