Do small dollar consumer loans qualify under the service test?

Yes - Helps meet the credit needs of those in the community and offers an alternative to high cost PayDay or Title lenders.

See this recent FIL. https://www.fdic.gov/news/news/financial/2018/fil18071.html

It's important to note in addition to Tennismom if you are regulated by the FRB they don't currently have any guidance, or go ahead around small dollar lending. In their papers they note that they recognize the community benefit, but that's not an official stance.

Or if you are OCC regulated here is their go ahead: https://www.occ.treas.gov/news-issuances/bulletins/2018/bulletin-2018-14.html