Jones Has a High Rate (Of Positive) Time Preference and Smith

Jones has a high rate (of positive) time preference and Smith has a low rate (of positive) time preference. Which man is more likely to take out a loan to buy a car now?

A) Smith, because he prefers earlier availability of goods to later availability of goods.
B) Jones, because he prefers earlier availability of goods to later availability of goods.
C) Smith, because he prefers earlier availability of goods more than Smith prefers earlier availability of goods.
D) Jones, because he prefers earlier availability of goods more than Smith prefers earlier availability of goods.
E) There is not enough information to answer the question.