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Questions. The Impact of MilitaryStyle APR Caps in Illinois Video The Potential Impact of MilitaryStyle APR Caps in South Carolina Video Understanding Traditional Installment Lending Study Reviews AFSA Concerned About CFPB Military Lending Act Limits Access to Credit Study Report Personal installment loans are often a critical lifeline for borrowers with limited credit options allowing them to pay for unexpected expenses or to consolidate debts. In both rich and poor countries alike credit institutions have favored the rich and in so doing have pronounced a death sentence on the poor We recognize the need for emergency credit. At the same time it is important that these products actually help consumers rather than harm them.