Research & Data

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

How Deep the Cycle Goes: Rollover Counts and What They Cost
The loan is taken for two weeks. The data shows how many times it is actually rolled over — and what that costs.
Three Groups of Borrowers: Clean Exit, Slow Drift, Deep Cycle
Borrowers split into three clear groups, and the fee gap between the first and the last is brutal.

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.