अमेरिकाPayday Loan True APR & Total Costवित्तUS Short-Term Payday Loan Fee to True APR & Rollover Cost Calculator
Convert flat payday lender fees ($15 to $30 per $100 borrowed) into true annualized percentage rate (APR typically 391% to 780%) and calculate compounding debt costs if the loan is rolled over across multiple pay cycles.
कैलकुलेटर इनपुट
लाइव रीयल-टाइमTrue Annual Percentage Rate (APR %)
Total Cash Repaid (Principal + All Cumulative Rollover Fees)
520 %
Total Finance Fees Paid
120 %
विस्तृत गणना विवरण
गणना पद्धति
Interest Rate per Period = Fee / Borrowed Amount. True Annualized APR = (Fee / Borrowed Amount) * (365 / Term Days) * 100.
महत्वपूर्ण कानूनी और शैक्षिक अस्वीकरण
Under the Truth in Lending Act (TILA), lenders must disclose the APR. Payday loans carry high risk of cyclical debt trap rollover fees.
यह कैलकुलेटर केवल शैक्षिक और सूचनात्मक उद्देश्यों के लिए बनाया गया है। परिणाम बाध्यकारी वित्तीय या कानूनी सलाह नहीं हैं।
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