There has long been a picture, partly based on prejudice, of takers of fast loans as something youthful, perhaps even childish phenomenon. This is probably a remnant from a time when modern technology of, for example, the type of sms was something that was mainly associated with young people, something that remained in the most common concept when it comes to fast loans.
Recently, however, there have been figures that show that we can do away with the image of fast loans, which is mainly about fun-loving teenage girls who irresponsibly and impulsively buttons home large sums to shop for.
Decrease among the youngest.
The image of fast loans
Fast loans, not infrequently called SMS loans, have rarely been used in the most explanatory tone with young people who cannot handle money in mind. The image of teenagers who, without a thought of the consequences, shop for borrowed money that you cannot pay again, is apparently deeply rooted. Now, however, figures from the Kronofogdemyndighet show that there are certainly examples of teenagers with debts as a result of quick loans, but that the cases of the chronofogger who concern this particular group are declining.
Exactly what this is due to is not yet known, but it is close at hand to believe that the many campaigns that alert young people to fast loans and its, in some cases, negative consequences, such as payment complaints, have had an enlightening and dissuasive effect. Changed patterns of consumption among young people can also be recorded, previously costly status items relating to, for example, music and media are nowadays free enough and nothing you can owe.
Increase among the elderly
Increased debt issues at Good Finance
According to the latest survey, which reports on orders from the Kronofogdemyndiens, concerning fast loans, there are approximately 56,000 cases. This represents an almost dramatic increase since 2006 when it began to be measured and the figure landed at about 1700. The explanation for this may be due in part to the increased marketing and increased acceptance for fast loans as such, and partly due to the technology that is today something that all age groups have access to then, 2006, was still in its infancy.
Among other things, this is reflected in the increased proportion of injunctions concerning older persons who have fallen into debt. In the past, older people called on their cell phones, if they even had one, now more and more have access to the huge loan market, which is just a few buttons away. It is also seen that the prejudice that many people have of fast loans as something for shopping teenage girls is really ashamed.
Fast loans have long had an even distribution of gender
To begin with, fast loans have long had an even distribution of gender, but now men account for 60% of the orders of the crown bailiff. You can also see that the elderly lend more to their everyday lives than to, for example, entertainment.
What this increase is due to among older people can still only be speculated on, but one guess is that up to now most of the information campaigns have been directed towards quick loans to younger people, which could be confirmed by the reduced number of orders among younger people.