Data Studies
Original CashCompassPro research on the U.S. consumer-lending market. All studies are free to cite and link with attribution; downloadable PDF on each page.
Payday LendingJun 2026
State of Payday Lending in America 2026
A 50-state look at how legal status and rate caps shape the $30B payday-loan market.
12.3MU.S. adults who took at least one payday loan in the last 12 months
Credit & DebtMay 2026
The True Cost of Bad Credit
Lifetime interest paid by credit-score band, modeled across the four most common consumer loans.
$172,300Extra interest paid over 30 years by a 580-score borrower vs. a 760-score borrower
SavingsApr 2026
The Emergency Savings Gap Report
Why 37% of U.S. adults can't cover a $400 emergency — and where the gap is widest.
37%U.S. adults who cannot cover a $400 emergency with cash or its equivalent
Payday LendingMar 2026
Payday Loan Rollover Trends
Most payday borrowers don't repay in 14 days — and the rollover economy is where the real cost lives.
7.4Median number of payday-loan rollovers per borrower per year
Title LoansFeb 2026
Title Loan Repossession Map
Roughly 1 in 9 title loans ends in repossession — but the rate varies 6× across states.
11.4%Of title loans nationally that result in vehicle repossession