# Research & Data | paykedge.com

> Compare state-by-state payday loan laws, APR limits and alternatives across all 50 states plus Washington, D.C. Discover the regulations — and most affordable legal choices — where you live.

Источник: https://paykedge.com/research/

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# Research & Data

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

[What Borrowers Wish They Had Known: The Cheaper Options They Found Too LateMost borrowers learn about cheaper options only after they have already overpaid.](/research/what-borrowers-wish-they-knew/)

[Who Knows About the Cheaper Option — and Who Does NotAwareness of low-cost alternatives tracks income almost perfectly. The people who need them most know least.](/research/alternatives-by-income/)

[Who Borrows: Employment Behind Short-Term LoansThe picture of a payday borrower as jobless is wrong. Most are working when they borrow.](/research/who-borrows/)

[The Cost of Not Knowing: Awareness and What Borrowers PayIn states where fewer borrowers know about credit-union loans, the fees paid run higher.](/research/cost-of-not-knowing/)

## 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.