# Research & Data | nimbusloans.com

> Compare payday loan laws, APR limits and alternatives across all 50 states and Washington, D.C. Discover your state's rules — plus cheaper legal options available.

Источник: https://nimbusloans.com/research/

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# Research & Data

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

[How Deep the Cycle Goes: Rollover Counts and What They CostThe loan is taken for two weeks. The data shows how many times it is actually rolled over — and what that costs.](/research/how-deep-the-cycle-goes/)

[Three Groups of Borrowers: Clean Exit, Slow Drift, Deep CycleBorrowers split into three clear groups, and the fee gap between the first and the last is brutal.](/research/three-groups-of-borrowers/)

## 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.