R3, which signifies "professionals working together with monetarily difficult males and businesses", bases the declare on interviews with 2,000 men and women.
John Lamidey, regarding the Consumer finances relation, which signifies pay day loan firms, disputed the data.
Downing route says its trying to present a marketplace laws of application.
Some 60 percent of the surveyed focused on their amount of personal debt, and 45per cent battled to make their money last till payday, R3 believed.
R3 claims the survey reveals dollars stresses at best stage it provides ever documented, and buyers figures get needed more difficult control around cash loans.
Payday advance loans happen to be small, short-term loans built to tide group over until are their salary.
The analyze discovered 45% among those challenged Wisconsin auto title loans struggled to make the journey to paycheck, increasing to 62percent for 24-44 spring olds.
One out of six are alleged "zombie debtors", who happen to be merely capable to servicing the attention on the debts.
The payday loan enterprises are increasingly being a ?2bn-a-year businesses, states BBC correspondent Andrew Hosken.
If your cash is repaid quickly in the further pay day, this style of credit are less expensive than having to pay an unauthorised overdraft or a credit card bill.
If however the lending products – some charging you finance interest rates of greater than 4,000per cent – are thrown in excess of, financial obligations can quickly turn. One woman explained the BBC she pilfered ?300 nowadays owes ?720.
"You may get into a cycle for which you're simply paying these very little levels thought they's workable, perhaps not realizing we're racking upward," she mentioned.
Even so the chief executive for the Shoppers economic connections, John Lamidey, believed: "Only one half the adult residents uses credit whatsoever, you may've got to knock that by 50 percent. So I'm truly sceptical about these figures.
"They've extrapolated from a highly, very tiny design. Our personal skills is the fact 94% of our own customers are entirely happy with the product which they're receiving, 97percent declare that the mortgage is entirely transparent and 86% say that they would highly recommend a colleague."
Latest thirty days the Citizens' recommendations agency cautioned the quantity of someone run into debt through payday loans have quadrupled in two ages.
They says it is too very easy to obtain this type of account and now it is calling for tighter rules, in addition to buyer emphasis, the UK's established shoppers watchdog.
"We would like to witness reasonable shields put in place to avoid payday loan users from obtaining viewed in financial trouble snares," stated Sarah Brooks, director of monetary providers at buyer Focus.
"Key to this particular happens to be reducing how many personal loans, or roll-overs, that applicants takes out in each year to five."
But customers Minister Ed Davey stated harder steps could thrust people to the possession of prohibited money pro players.
Sarah Pennells, president of Savvywoman.co.uk, which provides monetary advice for lady, states there can be the concern around exactly how corporations establish who to offer financial loans to.
"i do believe that (payday loan) agencies will say that the majority of folks are taking these people look for convenience plus they understand there's a price nevertheless just want the funds swiftly," she assured the BBC info route.
"speak with debt guidance causes and a pretty different pic emerges. They do say that many of consumers the two determine that are having troubles with payday advances have several finance.
"One cause we spoke to explained a standard would be three-and-a-half financial products, some experienced 10, some experienced 14. Everyone without having any money are increasingly being considering payday advances (and) those with thousands of pounds of some other debts.
"That's where much of the problem is basically design. Exactly how do they seem checking? Can they really be verifying?"
Key Minister David Cameron's executive spokesman mentioned the us government had been working together with a and buyers organizations throughout the problems.
He put: "You must be careful whenever intervening contained in this variety of industry that doesn't get the effect of reducing use of loan for a lot of, so you should be careful that you simply don't get men and women towards loan pro players by releasing rules.
"It is extremely important to achieve the harmony right, but also our company is most appropriated for the need for preserving vulnerable consumers."
The individual account guidance tool urged payday advance loans must certanly be handled as a last resort.
"If you do just take you out and about, make sure that you pays completely and also on time and never roll the mortgage over from thirty days to another," claimed Delroy Corinaldi, manager of outside affair.
"If you see that you simply can't repay and possess to move the mortgage over, it is necessary merely seek out free of charge guidelines from a financial obligation cause as soon as possible."