 In addition, there’s a healthy spread of SDC consumers with a range of salaries—showing 20% of SDC consumers have a household income between $50,000 and $75,000.However, 45% of respondents to the survey would classify themselves as “poor”.In a BBC article, a spokesman for a company offering short-term loans says that APR is not a valid model when assessing costs associated with short-term subprime loans, and that the charges are appropriate for the convenience of quickly obtaining a short-term loan.