Real cost tool
Cash advance APR calculator
Turn express fees, monthly subscriptions, and tips into APR and cost per $100. APR is imperfect for short-term advances, but it makes small fees easier to compare across different amounts and repayment windows.
Formula used
APR = ((Total fees / Advance amount) * (365 / Days)) * 100
Total fees include express delivery, tips, and the per-use share of a monthly subscription.
Estimated APR
104%
Annualized cost using all entered fees.
Cost per $100
$3.99
Total fee burden normalized to a $100 advance.
Fees per use
$3.99
Express, tip, and allocated subscription cost.
Standard transfer
- APR
- 0.0%
- Cost per $100
- $0.00
- Fees per use
- $0.00
Instant transfer
- APR
- 104%
- Cost per $100
- $3.99
- Fees per use
- $3.99
Monthly subscriptions can look smaller when used several times in one month. Change monthly uses to compare a one-time advance with repeated use.
Preset assumptions
CFPB example: $15 per $100 for two weeks
Uses listed Lightning Speed starting fee
Uses low listed monthly plan and express fee
Uses low listed instant transfer fee
Why this matters
The CFPB explains that a typical two-week payday loan charging $15 per $100 is almost 400% APR. Cash advance apps are not all structured the same way, so this calculator separates subscription fees, express fees, and tips instead of treating every product as identical.
Read the CFPB payday loan cost explanation