Reality Check: The Paycheck-To-Paycheck Report

Report: Personal Loans Help 36M Paycheck-To-Paycheck Consumers Stay Afloat Paycheck-to-paycheck consumers are still struggling to pay their bills, especially as their savings accounts run dry. The Reality Check: The Paycheck-To-Paycheck Report, a PYMNTS and LendingClub collaboration, surveys over 2,300 U.S. consumers to reveal how struggling consumers use personal loans as a financial lifeline in times of need.
Inside the September Report
  • 78 percent: Portion of consumers who do not have trouble paying their bills, even if living paycheck to paycheck
  • 32 percent: Share of millennials and bridge millennials who live paycheck to paycheck and have taken out personal loans
  • 68 percent: Portion of personal loan users who earn more than $50,000 annually

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    LendingClub The Paycheck-to-Paycheck Report Series

    The Credit Card Use Deep Dive Edition
    The Holiday Shopping Deep Dive Edition
    The Savings Deep Dive Edition
    The Seasonal Financial Distress Deep Dive Edition
    The Nonessential Spending Deep Dive Edition
    Household Finances Deep Dive Edition
    The Emergency Spending Deep Dive Edition
    The Regional Divide Edition
    The Generational Deep Dive Edition
    The Supplemental Income Edition
    The Debt and Credit Deep Dive Edition
    The Economic Outlook and Sentiment Edition
    New Reality Check: The Paycheck-To-Paycheck Report: 2022 Year In Review
    New Reality Check: The Paycheck-To-Paycheck Report: The Financial Goals Edition
    New Reality Check: The Paycheck-To-Paycheck Report: The Holiday Shopping Edition
    New Reality Check: The Paycheck-To-Paycheck Report: The Employment Edition
    New Reality Check: The Paycheck-To-Paycheck Report: The Inflation Edition
    New Reality Check: The Paycheck-To-Paycheck Report: The Emergency Spending Edition
    New Reality Check: The Paycheck-To-Paycheck Report: The Consumer Savings Edition
    New Reality Check: The Paycheck-To-Paycheck Report: The Financial Distress Factors Edition
    New Reality Check: The Paycheck-To-Paycheck Report: The High Earners Edition
    New Reality Check: The Paycheck-To-Paycheck Report: The Credit Edition
    New Reality Check: The Paycheck-To-Paycheck Report: The Regional Divide
    New Reality Check: The Paycheck-To-Paycheck Report
    New Reality Check: The Paycheck-To-Paycheck Report
    Reality Check: The Paycheck-To-Paycheck Report
    Reality Check: The Paycheck-To-Paycheck Report
    Reality Check: The Paycheck-To-Paycheck Report
    Reality Check: Paycheck-to-Paycheck