アメリカPayday Loan True APR & Total Cost財務・給与US 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.
入力パラメータ
リアルタイム自動計算%
クイック選択:
15 %
10 %35 %
14 days
7 days31 days
1 times
0 times12 times
計算結果Payday Loan True APR & Total Cost
True Annual Percentage Rate (APR %)
391.07%
Total Cash Repaid (Principal + All Cumulative Rollover Fees)
520 %
Total Finance Fees Paid
120 %
詳細な計算内訳
Single 14-Day Fee
60 %
True APR
391.07 %
Cumulative Fees
120 %
計算方法と根拠
Interest Rate per Period = Fee / Borrowed Amount. True Annualized APR = (Fee / Borrowed Amount) * (365 / Term Days) * 100.
法的免責事項および案内
Under the Truth in Lending Act (TILA), lenders must disclose the APR. Payday loans carry high risk of cyclical debt trap rollover fees.
本計算機は教育および参考目的のみに提供されています。表示される結果は法的または拘束力のある助言を構成するものではありません。
よくある質問 (FAQ)
A $15 fee on a $100 14-day loan sounds like 15%, but annualized across 26 two-week periods in a year, it translates to nearly 400% APR.
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