What is my payday loan really charging me?
Fee and cycle length in, true annualized rate out. The number lenders never print.
True annualized rate
391%
$60 per cycle (15.0%) — kept rolling all year, that's $1,564.29 in fees on a $400 loan.
For scale: a very expensive credit card is ~30% APR. A personal loan is ~8–15%.
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The question this tool can't answer
How much of your month's income is feeding cycles like this one?
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