Loan Calculator: Personal Loan, Payday & Cash Advance APR

Personal loan payment calculator plus payday loan and cash advance cost checker. See true APR, fees and total cost instantly.

Know exactly what a personal loan, payday loan or cash advance will cost you before you sign. This free loan calculator lives in your Chrome toolbar and has two modes: PERSONAL LOAN / INSTALLMENT LOAN CALCULATOR Enter a loan amount, interest rate, term and origination fee to see: - Monthly payment - True APR (including the origination fee) - How much you actually receive after fees - Total interest and total cost of the loan PAYDAY LOAN & CASH ADVANCE COST CALCULATOR Payday loans and cash advances usually charge a flat fee (for example $15 per $100) that is due in one lump sum, often in two weeks. Enter the amount, fee per $100 and term in days to see: - The amount due on your due date - The equivalent APR — often several hundred percent - How fees add up if the loan is rolled over or renewed - A side-by-side example of what the same amount costs as an installment loan Why it matters: A "$15 fee" sounds small, but on a 14-day payday loan it works out to an APR of about 391%. Origination fees on personal loans also raise the real cost above the advertised rate. This calculator shows you the real numbers so you can compare options before you borrow. Features: - Works instantly, no sign-up - Personal loan, installment loan, payday loan and cash advance calculations in one place - Light and dark mode - Remembers your last inputs on your device - No personal data collected — all calculations happen in your browser Looking for a personal loan or a cash advance alternative? The calculator includes an optional link to Bear Loan Cash Advance (bearloancash.com), a free lending marketplace that compares offers from multiple lenders. Bear Loan Cash Advance is not a lender. Disclaimer: Results are estimates for informational purposes only. Actual rates, APR, fees and approval depend on the lender, your state and your credit profile.