Original research
How to cite this personal-loan research
Copy the report citation for a finding, or the data citation for the records.
Keep the version, date, and sample limit with the claim. Cite the original source when you use a lender fact.
This 17-program sample is not the whole market and cannot predict your offer. CC BY 4.0 covers Rung-owned work, with third-party material excluded. This working report is public. Publisher review and third-party source clearance remain pending; no completed reviewer approval is claimed.
Copyable report citation
Rung Research. (2026). The loan amount is not always the cash you receive: Personal Loan Funded Cost Index (Collection 3; personal-loan-funded-cost@2026-09-05.collection.3). Rung Financial. https://rungfinancial.com/research/personal-loan-fee-and-proceeds-ledger/
Copyable dataset citation
Rung Research. (2026). Personal Loan Funded Cost Index: Public terms, funded evidence, borrower orientation, creditor identity, and state comparison (Collection 3; personal-loan-funded-cost@2026-09-05.collection.3). Rung Financial. https://rungfinancial.com/research/personal-loan-fee-and-proceeds-ledger/data/
Build a page citation from its visible title
Use: Rung Research. (2026). Page title. Rung Financial. Page URL. Add “Data snapshot September 5, 2026” when the finding could change with a later collection.
Keep the sample and snapshot in the sentence
In a 17-program public-source sample dated September 5, 2026, Rung Research found that a 10% fee deducted from proceeds required an $11,111.11 loan amount before fees to deliver $10,000.
More about this research
Match the citation to the asset.
Use the report for the finding, the dataset for the records, and the provider source for a provider fact.