# Three Groups of Borrowers: Clean Exit, Slow Drift, Deep Cycle | nimbusloans.com

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Источник: https://nimbusloans.com/research/three-groups-of-borrowers/

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# Three Groups of Borrowers: Clean Exit, Slow Drift, Deep Cycle

Borrowers split into three clear groups, and the fee gap between the first and the last is brutal.

- **50.6** — share who repaid on the first due date, %
- **49** — their median fees, $
- **16.2** — share with 4+ rollovers, %
- **238** — their median fees, $
- **4.9** — fee gap between the two groups, x

## The numbers

Borrowers grouped by how many times they rolled the loan over.

| Group | Share of borrowers, % | Respondents | Median fees paid, $ | Would NOT do it again, % | Had used a cheaper option before, %
| Repaid on the first due date | 50.6 | 6095 | 49 | 32.2 | 28.0
| 1 to 3 rollovers | 33.2 | 3996 | 94 | 43.3 | 18.6
| 4 or more rollovers | 16.2 | 1956 | 238 | 55.0 | 15.2

## How we counted

- Groups are set by how many times the borrower rolled the loan over.
- Fees are what the borrower actually paid, not the advertised price.

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, “Three Groups of Borrowers: Clean Exit, Slow Drift, Deep Cycle”, 2026. Available at [https://nimbusloans.com/research/three-groups-of-borrowers/](https://nimbusloans.com/research/three-groups-of-borrowers/)

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