# How Deep the Cycle Goes: Rollover Counts and What They Cost | nimbusloans.com

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Источник: https://nimbusloans.com/research/how-deep-the-cycle-goes/

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# 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.

- **44** — states in the sample
- **1.43** — mean number of rollovers
- **75** — median fees paid, $
- **300** — median loan amount, $
- **25** — fees as % of the amount borrowed

## The numbers

States with at least 30 respondents. The 15 with the highest rollover counts.

| State | Code | Respondents | Mean rollovers | Heavy cases (4+), % | Median fees paid, $ | Median loan amount, $
| Arkansas | AR | 35 | 2.11 | 20.6 | 90 | 300
| Hawaii | HI | 35 | 1.94 | 23.4 | 90 | 350
| Maine | ME | 39 | 1.92 | 16.3 | 68 | 300
| Louisiana | LA | 247 | 1.9 | 22.1 | 75 | 300
| Rhode Island | RI | 37 | 1.86 | 23.2 | 75 | 250
| Georgia | GA | 121 | 1.83 | 22.2 | 75 | 300
| Tennessee | TN | 378 | 1.82 | 19.2 | 75 | 300
| Iowa | IA | 122 | 1.79 | 18.5 | 75 | 300
| Arizona | AZ | 165 | 1.78 | 21.4 | 75 | 300
| New Mexico | NM | 109 | 1.78 | 19.8 | 90 | 300
| Indiana | IN | 399 | 1.76 | 20.9 | 75 | 300
| Michigan | MI | 551 | 1.75 | 18.6 | 75 | 300
| Utah | UT | 186 | 1.75 | 18.3 | 75 | 300
| Washington | WA | 262 | 1.73 | 16.9 | 75 | 300
| Virginia | VA | 231 | 1.69 | 19.2 | 75 | 300

## How we counted

- A rollover moves the due date and charges the fee again.
- A heavy case means four rollovers or more.

Data updated 2026-07-31. Full dataset: [data.csv](data.csv).

## Use this research

Free to cite, quote and chart — with attribution. Journalists and researchers are welcome to reuse the table and the dataset.

**Citation:** Nimbusloans, “How Deep the Cycle Goes: Rollover Counts and What They Cost”, 2026. Available at [https://nimbusloans.com/research/how-deep-the-cycle-goes/](https://nimbusloans.com/research/how-deep-the-cycle-goes/)

[Download the PDF report](report.pdf) [Download the data (CSV)](data.csv)