Research & Data

Our own analysis of short-term loan costs and borrower behaviour.

The Price of One Rollover: What Each Extension Adds, State by State
One rollover looks like a two-week extension. In money terms it is another full loan.
Why People Actually Borrow: The Six Reasons Behind Short-Term Loans
Payday loans are rarely about wants. We asked what the money was really for — and which reasons end worst.
The Break Between Loans: Which States Make Lenders Pause
A cooling-off period is the only rule that stops one loan from becoming a chain. Most states do not have one.

How we work with data

  • We run the numbers ourselves and show the work — the table and the dataset are open.
  • Only states with enough responses are included; below that the share swings on noise.
  • We refresh as new data arrives and print the date on the page.