R3, which shows "professionals working together with economically distressed folk and businesses", bases its promise on interviews with 2,000 customers.
John Lamidey, of this customers financing Association, which symbolize payday loan providers, disputed the rates.
Downing block claims its wanting generate an industry rule of exercise.
Some 60% among those reviewed concerned with their degree of debt, and 45% struggled to generate their funds finally till payday, R3 claimed.
R3 says the survey explains cash stress right at the top levels it provides ever documented, and customers figures have actually required tougher legislations around pay day loans.
Payday advances become little, brief unsecured loans built to tide someone over until they get their particular wage.
The analyze realized 45% regarding interrogate struggled to make the journey to paycheck, climbing to 62per cent for 24-44 spring olds.
One out of six happen to be so-called "zombie debtors", who are only in the position to support the attention on the obligations.
The pay day loan firms are increasingly being a ?2bn-a-year business, says BBC correspondent Andrew Hosken.
If your funds are paid back immediately regarding upcoming payday, this type of loaning can be cheaper than spending an unauthorised overdraft or a charge card cost.
However, if the finance – some getting charged rates of greater than 4,000per cent – are folded over, debts can very quickly elevate. One woman informed the BBC she lent ?300 nowadays owes ?720.
"You may into a bicycle where you're only pay back these tiny quantities wondering they's workable, not just realising one're racking it," she claimed.
Nonetheless chief executive belonging to the buyer Finance connection, John Lamidey, said: "Only one half the mature people makes use of loan after all, and that means you've reached hit that in two. So I'm actually sceptical about these rates.
"They've extrapolated from a, very tiny sample. Our very own skills is the fact 94per cent of your customers are absolutely very happy with the product people're getting, 97percent claim that the mortgage is very translucent and 86% state that they can suggest someone."
Final calendar month the residents' pointers agency alerted the quantity of men and women operating into debt through payday advance loans features quadrupled in two a long time.
It claims it is actually too easy to get such loan and in fact is demanding firmer law, together with buyers concentrate, the UK's established market watchdog.
"we want to witness reasonable guards carried out to eliminate pay day loan customers from obtaining stuck struggling with debt snares," claimed Sarah Brooks, manager of monetary treatments at Consumer emphasis.
"Key to this was restricting the volume of funding, or roll-overs, that applicants normally requires out in twelve months to five."
But customers Minister Ed Davey claimed more complicated actions could move someone into the grasp of prohibited financing pro players.
Sarah Pennells, founder of Savvywoman.co.uk, which provides economic advice about lady, states there’s a issues around how companies establish whom to provide financing to.
"In my opinion that (pay day loan) providers would say that the majority of men and women are getting all of them out for benefits and additionally they discover there's a cost but they would just like the funds immediately," she taught the BBC facts Channel.
"Confer with personal debt guidelines causes and a highly various picture emerges. They claim that many of consumers these people discover who are having issues with pay day loans have got many financing.
"One non-profit charity I talked to mentioned the common got three-and-a-half lending products, some received 10, some experienced 14. Individuals without the revenues are being offered payday advance loan (and) individuals with thousands of pounds of additional obligations installment loans Massachusetts.
"That's in which a lot of the issue is absolutely building. How could they be examining? Will they be checking out?"
Major Minister David Cameron's specialized spokesman said government entities would be dealing with the industry and buyers organizations in the concern.
The guy included: "You should be mindful any time intervening in this particular style of market place so it doesn't host the aftereffect of reducing usage of credit for some people, and you ought to be mindful you don't get someone towards funding sharks by presenting control.
"It is important to get the stability best, but at the same time we are most confiscate on the need for securing exposed someone."
The buyer account coaching program recommended cash loans must dealt with as a final resort.
"If you do simply take you around, you must pays outright and on time and never roll the mortgage over from one thirty day period to another," stated Delroy Corinaldi, manager of exterior affair.
"If you see which you can't payback and possess to move the mortgage over, it is important you may search free information from a personal debt foundation as soon as possible."