| Value | Category | Cases | |
|---|---|---|---|
| 1 | High interest rate | 377 |
24.9%
|
| 2 | High other costs (application fee, processing fee, waiting t | 8 |
0.5%
|
| 3 | Lender too far | 5 |
0.3%
|
| 4 | Insufficient collateral | 23 |
1.5%
|
| 5 | Afraid cannot payback in time and of losing collateral | 118 |
7.8%
|
| 6 | Afraid cannot payback and incurring extra fee | 158 |
10.4%
|
| 7 | Afraid cannot payback and lose reputation | 61 |
4%
|
| 8 | Too much debt already | 59 |
3.9%
|
| 9 | Outstanding debt needs to be repaid before getting new credi | 239 |
15.8%
|
| 10 | Think lender would not approve credit | 42 |
2.8%
|
| 11 | No need for credit | 408 |
26.9%
|
| 12 | Other | 16 |
1.1%
|
| Sysmiss | 839 |