Loan Costs

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Rates & Fees

Like any other type of loan, the amount you pay back with a payday advance is more than the amount you are given. The extra money you are required to pay back is based on the Annual Percentage Rate (APR), though to make things more transparent, lenders usually consolidate all accrued interest and other service charges as a ‘fee per $100 borrowed’ for the agreed term of the loan. Based on a 2-week loan term, this typically ranges between $12 and $30 per $100 borrowed.

Once you have made an submission with us and we have found a suitable service, we will direct you to the payday loan agreement, where you can review the applicable rates and fees without obligation prior to accepting the advance. Rates and fees vary not only with the agreement criteria, but with the lenders themselves, and until we have found you a service you will not be able to see specific rate and fee information.

The APR typically ranges between 260% and 1825%. You might be alarmed to see rates this high, but remember that these loans are only short term, and therefore the interest is applied for only a fraction of the time you would associate with standard credit options.

Representative example: You borrow $200 over a 14-day period with an APR of 456.25%. You pay a fee of $17.50 per $100 borrowed, equaling a total fee of $35. When you payday arrives, you pay back $235. Please visit our fees page for detailed information.

Issues

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Social Issues

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Loan Renewals

Every payday loan contract includes a predetermined date for loan repayment. Some payday loan providers offer extension options (also known as loan renewal) if the borrower cannot pay back the loan in its entirety by the repayment date. Such extension options come with added fees, which may be a flat fee or based on the amount of loan that still needs to be paid back. Check with the late payment policy in the payday loan terms and conditions.

Based on the fees and charges of our payday loan providers, you can expect to pay up to $30 per $100 borrowed for every 14 day period. Depending on the provider and the terms of the loan in question, the APR could be anything from 261% to 1825%.

Representative example: You borrow $200 over a 14-day period with an APR of 456.25%. You pay a fee of $17.50 per $100 borrowed, equaling a total fee of $35. When you payday arrives, you pay back $235. Please visit our fees page for detailed information.

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