# The Price of One Rollover: What Each Extension Adds, State by State | 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/price-of-one-rollover/

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# 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.

- **6** — states where rollovers are allowed
- **24** — states in this analysis
- **52.94** — median fee per 14 days, $
- **Nevada** — most expensive state
- **100** — highest fees as % of principal
- **71** — median fees after 3 rollovers, % of principal

## The numbers

A $300 loan for 14 days. The 15 states where three rollovers cost the most.

| State | Code | Fee per 14 days, $ | Rollovers allowed | Loan + 3 rollovers, $ | Fees as % of principal
| Nevada | NV | 75.03 | yes | 300.12 | 100
| Idaho | ID | 75.03 | yes | 300.12 | 100
| Utah | UT | 70.5 | yes | 282.0 | 94
| Wisconsin | WI | 68.4 | no | 273.6 | 91
| Texas | TX | 66.3 | yes | 265.2 | 88
| Missouri | MO | 61.5 | yes | 246.0 | 82
| Wyoming | WY | 60.0 | no | 240.0 | 80
| Mississippi | MS | 60.0 | no | 240.0 | 80
| North Dakota | ND | 60.0 | no | 240.0 | 80
| Delaware | DE | 60.0 | yes | 240.0 | 80
| Louisiana | LA | 55.0 | no | 220.0 | 73
| California | CA | 52.94 | no | 211.76 | 71
| Kentucky | KY | 52.94 | no | 211.76 | 71
| Tennessee | TN | 52.94 | no | 211.76 | 71
| Alabama | AL | 52.5 | no | 210.0 | 70

## How we counted

- We price a $300 loan for 14 days, then three consecutive rollovers — the common path when payday does not clear the debt.
- The fee is charged again for every period; the principal never goes down.

Data updated 2026-07-31. Full dataset: [data.csv](data.csv).

## Use this research

Free to cite, quote and chart — with attribution. Journalists and researchers are welcome to reuse the table and the dataset.

**Citation:** Fenixloans, “The Price of One Rollover: What Each Extension Adds, State by State”, 2026. Available at [https://fenixloans.com/research/price-of-one-rollover/](https://fenixloans.com/research/price-of-one-rollover/)

[Download the PDF report](report.pdf) [Download the data (CSV)](data.csv)