Research library
Consumer Lending Data Studies
Original CashCompassPro research on the U.S. consumer-lending market. Studies are free to cite and link with attribution, with downloadable PDF reports on each page.
Research topics
4
Published studies
5
PDF reports
Free
State of Payday Lending in America 2026
A 50-state look at how legal status and rate caps shape the $30B payday-loan market.
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The True Cost of Bad Credit
Lifetime interest paid by credit-score band, modeled across the four most common consumer loans.
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The Emergency Savings Gap Report
Why 37% of U.S. adults can't cover a $400 emergency — and where the gap is widest.
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Payday Loan Rollover Trends
Most payday borrowers don't repay in 14 days — and the rollover economy is where the real cost lives.
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Title Loan Repossession Map
Roughly 1 in 9 title loans ends in repossession — but the rate varies 6× across states.
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How to cite CashCompassPro research
Journalists, bloggers, and financial educators may cite these studies with a link back to the original study page. Each study includes a downloadable PDF, key statistics, methodology notes, source references, and citation text.
Research topics we cover
- Payday lending costs, rollover risk, and state-law differences.
- Emergency savings gaps and short-term credit demand.
- Bad-credit borrowing, cash advance apps, and installment loan alternatives.