Payday Loan Calculator • Cash Advance Calculator • Fee-per-$100 to APR

Payday Loan Calculator (2026): Total Cost, APR & Rollover Scenarios

Estimate your payday loan total cost, convert fee per $100 into APR, and see how repeat borrowing (rollovers/renewals where allowed) can increase the total dollars repaid. You can also compare a payday cash advance against installment and personal loan payments.

PDLoans247 is not a lender. Estimates only. Always rely on the lender’s disclosures and your signed agreement. Helpful guides: Rates & Fees • Payday Loans (State Rules) • Installment Loans • Personal Loans

Payday loan cost calculator

Loan amount ($) (e.g., $300, $500, $600 payday loan)

Tip: borrow the smallest amount that closes the gap.

Loan term (days) (14-day payday loan calculator)

Common terms: 7–30 days (varies by state and lender).

Fee per $100 borrowed ($) (fee-per-$100 calculator)

Example: “$15 per $100” means $15 fee for each $100 borrowed.

Repeat borrowing / renewals (count) (rollover calculator)

If allowed in your state/contract, each repeat cycle can increase the total dollars repaid.

Extra fees to include ($) (NSF / late fees estimate)

Optional: add expected bank NSF/returned payment fees or late fees (if applicable).

Please note: Late payments can increase total cost. Review the repayment date and total payback before you e‑sign. See fees explained.

Estimated fee (per cycle)

Based on fee-per-$100 and loan amount

APR equivalent (approx.)

Converted from fee and term (illustrative)

Estimated total payback

Principal + fees + optional extra fees

Breakdown (helpful for “how much will I pay back?”)

Item	Amount
Principal	$0
Fees (base + repeat cycles)	$0
Extra fees (optional)	$0
Total payback	$0

Want to reduce risk? Compare a monthly payment option: installment loans or personal loans. If you’re already stuck in repeat borrowing, use: Debt Trap Risk Calculator.

Cost visualization

Fee ↔ APR converter (payday loan APR calculator)

Convert APR → fee per $100

Enter APR and term to estimate a fee-per-$100 equivalent.

Term (days)

Estimated fee per $100

$0.00

Convert fee per $100 → APR

Enter fee-per-$100 and term to estimate APR equivalent.

Term (days)

APR equivalent (approx.)

Compare payday loan vs installment vs personal

If you need more than one pay cycle, a structured payment plan can be easier to budget. This comparison is illustrative.

Installment loan calculator (monthly payment)

Amount ($)

APR (%)

Term (months)

Origination/fees ($)

Estimated monthly payment

Estimated total repaid

Personal loan calculator

Amount ($)

APR (%)

Term (months)

Origination/fees ($)

Estimated monthly payment

Estimated total repaid

Explore more: Installment loans • Personal loans • 600 dollar loan

How this payday loan calculator works

This calculator estimates payday/cash advance cost using a fee-per-$100 model and converts it to an APR equivalent for comparison. Installment/personal comparisons use a standard amortization payment formula.

What to check before you borrow

Total payback in dollars (not just “fee per $100”).
Due date and whether it matches a confirmed deposit.
Late/returned payment fees and how collections are handled.
State rules (availability, limits, rollover restrictions): state guide.

FAQ (search-friendly)

How much does a payday loan cost for 14 days?

It depends on the fee-per-$100 and the amount. Use the calculator above to estimate total payback and APR equivalent.

What is the APR on a payday loan?

APR varies. Many payday products are fee-based; our converter estimates an APR equivalent from the fee and term for comparison.

Are rollovers/renewals expensive?

Repeat borrowing can increase total dollars repaid quickly. If you may need more time, compare installment options first.