R3, which symbolizes "professionals employing monetarily hopeless folk and businesses", bases its promise on interview with 2,000 visitors.
John Lamidey, from the market financial relationship, which presents cash advance enterprises, disputed the rates.
Downing Street claims it really is searching present an industry code of application.
Some 60% of the interviewed concerned with their amount of loans, and 45percent struggled which will make their money previous till payday, R3 claimed.
R3 claims the research shows bucks issues on highest levels they have actually tape-recorded, and buyer figures get needed more difficult regulations around payday advance loans.
'Zombie debtors'
Payday advance loan include smaller, brief quick unsecured loans which is designed to tide visitors over until they get their particular wage.
The survey determine 45% of the asked battled to get to pay-day, climbing to 62per cent for 24-44 annum olds.
One out of six is alleged "zombie debtors", that happen to be merely in a position to service the interest on the liabilities.
The payday loans businesses are now actually a ?2bn-a-year sales, states BBC correspondent Andrew Hosken.
In the event that cash is repaid promptly the second pay-day, this loaning is generally less expensive than paying an unauthorised overdraft or a credit card bill.
However, if the loans – some asking rates of more than 4,000percent – are generally thrown in, obligations can quickly rise. One female assured the BBC she pilfered ?300 and today owes ?720.
'Racking it up'
"You could get into a pattern that you're simply paying down these tiny quantities wondering they's manageable, maybe not understanding your're racking it," she stated.
However the leader regarding the buyers loans Association, John Lamidey, claimed: "Only 1 / 2 the xxx citizens uses account after all, you may've have got to bump that in two. So I'm actually sceptical about these numbers.
"They've extrapolated from a pretty, very small test. All of our adventure is the fact that 94% Ohio cash title loans individuals customers are totally satisfied with the merchandise people're getting, 97per cent point out that the loan is wholly translucent and 86percent state that they’d endorse partner."
Final period the Citizens' guidance Bureau alerted the sheer number of anyone managing into financial obligation through payday advance loans keeps quadrupled in two several years.
It states it is actually way too simple receive these types of loan which is calling for firmer law, together with buyers concentration, the UK's official consumer watchdog.
'Debt traps'
"we wish to find out thoughtful guards used prevent payday loan users from getting found with debt catches," believed Sarah Brooks, manager of financial service at Consumer concentrate.
"Key to this idea is reducing the quantity of financing, or roll-overs, that debtors could take call at per year to five."
But buyers Minister Ed Davey said more difficult steps could move visitors inside grasp of unlawful financing pro players.
Sarah Pennells, creator of Savvywoman.co.uk, that offers monetary tips on women, says there does exist an important problems around exactly how agencies establish whom to provide loans to.
"I think that (cash advance) corporations will say that the majority of folks are having all of them out for convenience as well as understand there's a price even so they just need money immediately," she told the BBC Intelligence network.
"speak with debt guidelines causes and a rather different picture emerges. They do say that many of anyone the two determine who’re experiencing difficulty with payday loans posses a few loans.
"One non-profit charity I communicated to stated a standard got three-and-a-half lending products, some got 10, some have 14. Individuals without the profit are considering payday advance loans (and) people with a lot of money of additional obligations.
"That's where much of the focus is absolutely creating. Just how will they be verifying? Could they be inspecting?"
'Seek advice'
Prime Minister David Cameron's executive spokesman believed the us government am using the services of the industry and customers organisations the matter.
They put in: "You need to be cautious any time intervening in this particular kind of marketplace which does indeedn't possess effect of lowering the means to access financing for some, and also you should be cautious you are going to don't travel individuals towards money pro players by presenting regulations.
"It is essential to acquire the equilibrium ideal, but concurrently we’ve been very appropriated on the incredible importance of securing prone group."
The client loan guidance provider instructed payday loans must certanly be managed as a last resort.
"If your are performing simply take one outside, you need to pays outright basically some time and never roll the borrowed funds over from one calendar month to the next," stated Delroy Corinaldi, manager of additional considerations.
"If you discover that you can't repay while having to roll the mortgage over, it is very important you may seek out complimentary advice from a debt cause as quickly as possible."