Millions of US households count on payday advances and pawnshops for short-term credit. Cash advance rates of interest are as high as 25% per 2- to 4-week loans and people make use of a post-dated check to secure the mortgage. Pawnshop usage is present for anybody with security. This short article examines whether individuals utilizing payday advances in states where rollovers are allowed are more inclined to additionally utilize pawnshops along with payday advances. We discover that this can be real for those who make lower than $30,000, however it doesn’t hold for anyone with greater degrees of earnings.