In the news

I would argue to that the presence of such lenders on the high street is as likely to be the impact of changes to our buying habits - the likes of dixons, comet and other general retailers have been undermined by the use of the internet to buy goods - colloquially the Amazon effect.

Except of course that most payday loans are used to pay for food, bills and rent rather than commodities. Unless you class a spare bedroom as a commodity.

http://www.theguardian.com/money/2013/oct/01/payday-loans-feed-families-report