Abstract
The paper provides systematic view on payday lending in Lithuania, joining legal and economic approaches. Institutions of credit access as a human right per se, responsible lending and usury are conceptually analysed, defining theoretical visions and methodological challenges, that persist in search of fair balance between the need of borrowers and the greed of lenders at payday transactions. Keywords: payday lending, credit access, human rights, dignity, adequate standard of living, responsible lending, usury, transaction cost, over-indebtedness, process mining, debt to income ratio
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