We publish our own analysis of what short-term credit actually costs and who uses it — standardized cost models and borrower surveys, each one dated and methodologically documented. Everything here is free for journalists and researchers to cite with attribution.
Most coverage of payday lending leans on advertised rates or a single state’s rules. We build datasets that let costs be compared apples-to-apples.
As a lead-generation service that operates nationwide, Quick Cash sees how widely the price of the same loan varies from one state line to the next. That variation is rarely visible to borrowers, who see an offer, not a benchmark — and it is often missing from news coverage too. We publish our own studies to close that gap: standardized cost models and borrower surveys that put numbers in context. Each study is self-contained, dated, and methodologically documented so anyone can check the work.
Everything below is free to cite, quote, and link with attribution to Quick Cash. Journalists are welcome to request the underlying figures or an interview with the analyst who produced a study — see the contact note at the foot of this page.
Quick Cash analyses, free for journalists and researchers to cite with attribution.
A plain-language summary of the scope and intended use of each report, so you can judge fit before you cite it.
Models the all-in dollar cost and effective APR of a standardized $300, 14-day single-payment loan in all 50 states and Washington, D.C. — built from each state’s statutory fee schedule and rate cap. Use it to compare states on a like-for-like basis, not on advertised rates.
A self-reported survey of recent short-term borrowers covering the reasons people borrow, how they choose a lender, repayment outcomes and awareness of lower-cost alternatives. Useful for context on borrower intent and decision-making, reported with sample size and fielding dates on the study page.
Our methodology and sourcing standards, in brief.
Methodology & sourcing
Quick Cash is a lead-generation service, not a lender. Our research is editorially independent of the lender-matching business and does not promote any specific lender. Where a study touches on Quick Cash’s own service, that relationship is disclosed in the study.
How to cite this work and reach the people behind it.
Our studies are intended as a reference for reporters covering consumer finance, academics studying small-dollar credit, and policy researchers comparing state regimes. You may reproduce charts and figures with a visible credit to Quick Cash and a link to the source study. For the raw dataset behind a cost model, a methodology question, or an interview with the analyst, contact our editorial team via the editorial policy page. We respond to good-faith press requests within two business days.
Honest, side-by-side looks at how Quick Cash stacks up against other networks and against lower-cost options.