Payday HexCheck options →
Decision tool
Use Payday Loan Calculator: Cost, APR & Total Due to evaluate inputs, estimated cost, timing or affordability and verify provider-controlled terms.
Check the actual providerConfirm who makes the credit decision.
Normalize the costCompare fees, APR, total due and dates.
Stress-test repaymentProtect essential cash after the payment.
Complete guide
Use the sections below to evaluate fit, not to predict approval.
CFPB explains that payday lenders generally charge a finance charge per $100 borrowed and uses $15 per $100 as a common example. For $300, that illustration produces $345 due after the short term. CFPB_COST
Interactive decision tool
Convert a finance charge into total due and annualized APR.
Provider terms and current state requirements control any offer.
Decision infographic
Dollar fee, total due and repayment date belong together.
Inputs, provider disclosure and repayment fit must agree.
Continue the guide
Use the remaining checks before moving to a provider form.
CFPB explains that paying a rollover fee can extend the due date while leaving the original principal owed. The calculator should show cumulative fees and remaining principal separately; never imply that the fee pays down the loan. CFPB_COST
Quick comparison
| Decision | Look for | Stop if |
|---|---|---|
| Availability | State eligibility and provider identity | The creditor or license path is unclear |
| Cost | Amount received, required fees, APR and total repayment | Only the payment size is shown |
| Timing | Decision, release and bank-posting stages | “Instant” is presented as guaranteed |
| Repayment | Exact dates, method and late-payment consequences | The payment reopens the same cash gap |
Explore this cluster
6 focused pages, each with a separate canonical job.
Normalize APR, Fees & Total Repayment
Open guide →02Start With Residual Cash, Not Approval
Open guide →03Estimate Decision, Release & Bank Posting
Open guide →04Check Readiness Without Predicting Approval
Open guide →05Forecast Paydays, Bills & Loan Payments
Open guide →06Calculate Cost, Affordability, Timing & Eligibility
Open guide →Ready for the next step?
The application page is separate from the guide and is operated with a third-party form provider.