Payday loan cost calculator
The numbers the law allows: pick a state and an amount to see the maximum legal fee for a two-week loan. Where a state sets no fixed fee, we show the typical market range.
What the calculator shows
The fee is whatever your state's statute allows — not what a lender advertises. In a 15% state, a $300 loan costs $45 for two weeks (an APR around 391%, which is why payday loans are a two-week tool, not long-term credit). Where no statutory fee exists, the range shown is a market estimate; the lender's contract is the binding number.
Disclosure. All City Payday Loan is not a lender, not a broker, and does not make credit decisions. Rates and terms are set by third-party lenders and depend on state law and the lender's underwriting; short-term loans carry APRs that may range from 35.99% to 359.99%. A payday loan is a short-term tool for a temporary cash gap — it is not a solution for long-term debt problems. Late or missed payments may result in additional fees and collection activity. Check your lender's license with your state regulator before you sign.