Paydayloaning

Payday Loans, Clearly Explained

Paydayloaning is a free payday-loan education site. Understand what a payday loan costs, check the rules in your state, and compare safer alternatives before you borrow.

Compare personal loan offers Run the numbers first

Advertising disclosure: Paydayloaning may receive a referral fee if you apply through the link above. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Start with a calculator

Personal Loan CalculatorFree · runs in your browserLoan Payment CalculatorFree · runs in your browserLoan Payoff CalculatorFree · runs in your browserLoan Amortization CalculatorFree · runs in your browserLoan Interest CalculatorFree · runs in your browserAPR CalculatorFree · runs in your browser

See all 14 loan calculators

Understand the rules where you live

Loan pricing follows your credit profile, but the rate caps and licensing rules that protect you are set by your state. We publish each figure with its publisher and a link to the primary source.

How Paydayloaning works

We are an independent publisher, not a lender. We do not process applications and we do not pull your credit. Every calculator runs entirely in your browser, and every factual claim on the site cites a primary source. When we cannot verify a figure, we link to the source instead of guessing.

Frequently asked questions

How does Paydayloaning make money?
Paydayloaning is an independent publisher. When you click through to a lending partner we may receive a referral fee. That fee does not change the rate you are offered, and it never changes what we publish — see our affiliate disclosure.
Does Paydayloaning lend money?
No. Paydayloaning is not a lender, a broker, or a credit repair service. We publish calculators, guides and sourced reference data so you can compare offers from lenders you choose yourself.
Does applying through Paydayloaning affect my credit score?
Paydayloaning does not pull your credit and does not process applications. Any credit inquiry happens at the lender you choose, and many marketplaces use a soft pull for pre-qualification that does not affect your score.
What is a realistic APR for a payday loan?
Payday loans are among the most expensive forms of consumer credit. The Federal Trade Commission notes that a $15 fee per $100 borrowed on a two-week loan works out to an APR of roughly 391%. The exact figure depends on the fee your state allows and the term, so our APR calculator shows the math and our guides link to the CFPB and FTC.