Cashback Loans Research

Original, nationally representative surveys on how Americans save, borrow and manage financial pressure. Each study is fielded by an independent research firm and published in full, with its methodology, so readers, reporters and researchers can check and cite the results.

Latest survey
3,000U.S. adults
±2 ptsmargin of error

Nationally representative by gender, age and region. Conducted online July 16 - 27, 2026, by 3Gem Research & Insights.

Read the methodology
Latest report · Published [09 October 2026]

America's Emergency Savings Report 2026

How prepared are Americans for unexpected expenses? Our 2026 survey looks at emergency savings, borrowing for essentials, financial security and how households are cutting back.

44%have no emergency savings
37%borrowed to cover essentials in the past year
69%say financial security is harder than five years ago
42%cut back on groceries to manage their finances

Source: Cashback Loans, America's Emergency Savings Report 2026. Online survey of 3,000 nationally representative U.S. adults conducted July 16 - 27, 2026, by 3Gem Research & Insights.

Read the full report Download the Full Report [PDF]
CONSUMER FINANCIAL RESEARCH

America's Emergency Savings Report

2026

Original research from a national survey of 3,000 U.S. adults

44%no emergency savings
37%borrowed for essentials

Explore the key findings

Each finding has its own page with the full data, charts and methodology.

44%
Nearly Half of Americans Have No Emergency Savings
How much Americans have set aside, and who is least prepared.
Read the finding →
51%
How Much Income Do Americans Need to Feel Financially Secure?
Half say a household income of $200,000 or less would be enough.
Read the finding →
37%
Borrowed to Cover Essentials. Here's Where They Turned.
Relatives, credit cards and friends topped the list of sources.
Read the finding →

How to read these findings: These statistics describe different parts of the same financial environment - preparedness, borrowing behavior, perceptions of security, and changes in everyday spending.

Articles from this survey

Closer looks at the 2026 results on our blog.

Our research standards

Independent fieldwork

Surveys are designed and conducted by independent research firms that follow industry codes of conduct, such as the Market Research Society Code of Conduct.

Full methodology

Every report states its sample, dates, method and margin of error, and quotes the questions exactly as they were asked.

Sponsorship disclosed

Our research is sponsored by Cashback Loans, a California-licensed direct lender. We keep survey results separate from our own interpretation.

All results published

We report the findings in full, whether or not they reflect favorably on short-term lending.

For journalists

Need more data, a breakdown by age or income, or a comment? Our media team can help.

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SUGGESTED CITATION
“According to America's Emergency Savings Report 2026, a nationally representative survey of 3,000 U.S. adults conducted July 16 - 27, 2026, by 3Gem Research & Insights for Cashback Loans…”

Charts from our reports may be reused with credit to Cashback Loans and a link to the report.

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