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African-Americans, who make up only 12 of the population, take out nearly a quarter of all payday loans. Icici loan personal loan 1 in 8 African-American adults have used a payday loan in the past five years, compared to only 1 in 25 white adults. Low-Income. The median household income in the country was 53,657 in 2014, according to the Census Bureau. However, most payday loan users have income well below this level. More than 70 have a household income of less than 40,000.
People in this group are three times as likely to use payday loans as people with incomes of 50,000 or more.