# Research & Data | fenixloans.com

> Urban payday lending guides across major U.S. metro areas — local rates, state-licensed storefronts, nearby credit unions and borrowing alternatives.

Источник: https://fenixloans.com/research/

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# Research & Data

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

[The Price of One Rollover: What Each Extension Adds, State by StateOne rollover looks like a two-week extension. In money terms it is another full loan.](/research/price-of-one-rollover/)

[Why People Actually Borrow: The Six Reasons Behind Short-Term LoansPayday loans are rarely about wants. We asked what the money was really for — and which reasons end worst.](/research/why-people-borrow/)

[The Break Between Loans: Which States Make Lenders PauseA cooling-off period is the only rule that stops one loan from becoming a chain. Most states do not have one.](/research/cooling-off-protection/)

## 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.