Studies and Reports

The CPLA regularly commissions research to improve public knowledge about our customers who use our convenience products and the economics of the payday lending industry. Links to commissioned studies are provided below. Links to non-commisioned studies of relevance are also provided.

Environics Research Group - May 2013 (PDF 269KB)

Payday Loan Users Study Manitoba

Environics Research Group - April 2013 (PDF 244KB)

Payday Loan Users Study British Columbia

Environics Research Group - April 2013 (PDF 249KB)

Payday Loan Users Study Ontario

Environics Research Group - April 2013 (PDF 250KB)

Payday Loan Users Study Alberta

Thinkwell Research - September 2010 (PDF 2.2MB)

Payday Loan Customer Study - Nova Scotia, New Brunswick & Prince Edward Island

Mustel Group – October, 2008 (PDF 139KB)

Canadian Payday Loan Association - Qualitative Research

Pollara – September 2008 (PDF 376KB)

First-Ever Pollara Survey on Payday Loan Consumers in Alberta

Deloitte & Touche – June 27 2008 (PDF 733KB)

Cost of Providing Payday Loans in British Columbia

Deloitte & Touche - November 14, 2007 (PDF 2.2MB)

Transactional data report on Payday Loan Providers in Nova Scotia

Pollara – November 2007 (PDF 2.8MB)

First-Ever Survey of Payday Loan Customer Survey in Ontario Conducted by Pollara

Pollara - October 2007 (PPT 760KB)

First-Ever Survey of Payday Loan Consumers in New Brunswick and Nova Scotia Conducted by Pollara

Pollara - October 2007 (PDF 3MB)

First-Ever Survey of Payday Loan Consumers in British Columbia Conducted by Pollara

Pollara – September 2007 (PPT 801KB)

First-Ever Survey of Payday Loan Customer Survey in Saskatchewan Conducted by Pollara

Pollara - September 2007 (PDF 349KB)

First-Ever Survey of Payday Loan Customer Survey in Manitoba Conducted by Pollara

Deloitte – September 2007 (PDF 268KB)

Cost of Providing Payday Loans in Manitoba

Manitoba - September 2007 (PDF 278KB)

Determining the Maximum Allowable Fee for Payday Loans, Lawrence L. Gould

Environics Research Group Consumer Payday Industry Awareness Survey (PowerPoint 4MB)

Environics Research Group, Toronto, Ontario (June 2005)

The Cost of Providing Payday Loans in Canada: A report prepared for the Canadian Association of Community Financial Service Providers (PDF 750kb)

Ernst & Young Tax Policy Services Group, Toronto, Ontario (October 2004)