Research & Data

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

Borrower Regret: Where People Say They Would Not Do It Again
We asked borrowers a plain question: would you take this loan again? The answer depends heavily on the state.
Regret by Age: Who Walks Away Sorriest
The same loan lands very differently at 22 and at 62. The gap is wider than we expected.
Who Gets Out First Time: The Borrowers Who Never Roll Over
A minority repay on the first due date and walk away. What separates them from everyone else.

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.