# Research & Data | sbloan.net

> City-by-city payday loan guides reveal neighborhood rates, licensed lenders, nearby credit unions and safer borrowing options available in your metro area.

Источник: https://sbloan.net/research/

---
# Research & Data

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

[Borrower Regret: Where People Say They Would Not Do It AgainWe asked borrowers a plain question: would you take this loan again? The answer depends heavily on the state.](/research/borrower-regret-map/)

[Regret by Age: Who Walks Away SorriestThe same loan lands very differently at 22 and at 62. The gap is wider than we expected.](/research/regret-by-age/)

[Who Gets Out First Time: The Borrowers Who Never Roll OverA minority repay on the first due date and walk away. What separates them from everyone else.](/research/who-gets-out-first-time/)

## 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.