7–30 day timeline
Select a short example term and confirm the exact due date in the agreement. This calculator does not promise that every term is available.
500FastCash payday planning tool
Illustrative payday loan cost calculator
Start with a short single-payment example due in 7 to 30 days. You can also switch to an installment example to compare a longer repayment schedule.
Confirmed request amounts: $100, $300, $500 and $1,000 are available request amounts at 500FastCash, subject to approval. The calculator remains educational and does not quote actual terms.
Interactive cost estimate
Compare a payday or installment example
Payday mode is selected first and models one scheduled payment. Every number is educational—not an actual 500FastCash offer or disclosed term.
Important: This calculator is educational and does not quote actual 500FastCash terms. Payday mode assumes one payment and does not add renewals, rollovers, late charges, returned-payment fees, or other possible costs. Review the finance charge, APR, payment schedule, and total of payments in your agreement before signing.
Estimated loan results
Estimated total due$0.00
Estimated finance charge$0.00
Estimated due date—
Illustrative single payment$0.00
Compare the total due with your expected take-home pay and essential expenses.
Continue to ApplicationCost over time
Payday cost snapshot
BalancePrincipalFinance charge
Payment timeline
Estimated payday schedule
| Period | Principal | Finance charge | Payment | Remaining balance |
|---|
Payday estimate explained
What the short-term result shows
A payday example is usually easier to understand as the amount borrowed, one finance charge, and one scheduled due date.
Fee per $100
The payday estimate multiplies the entered fee by each $100 borrowed. A $15 input on $500 produces a $75 hypothetical finance charge.
Annualized APR
The result annualizes the short-term fee so different products can be compared on a common basis. A short term can create a high APR.
No rollover assumed
The estimate assumes repayment on the selected date. Renewals, extensions, late charges, and returned-payment costs are not added.
Compare structures
Payday and installment examples work differently
Choose the mode that matches the disclosure in front of you. The calculator cannot determine eligibility or replace a signed agreement.
Payday example
Models one finance charge and one payment due after the selected number of days.
Installment example
Models equal monthly payments from an entered APR over 3, 6, 12, or 24 months.
Use disclosed terms
Replace the example values with the amount, fee or APR, and payment timing shown in the actual offer.
Protect your budget
Compare the scheduled payment with take-home income, essential bills, and lower-cost alternatives before deciding.
Use this calculator to understand how a fee per $100 borrowed changes the finance charge, total repayment amount, estimated due date, and annualized APR. The results are educational examples. They are not an offer, a qualification estimate, or a statement of current 500FastCash loan limits.
Source & accuracy note — 500FastCash-specific facts on this page were checked against public 500FastCash.net disclosures on August 20, 2026. Educational examples and comparisons are not loan offers. Actual eligibility, amount, finance charge/APR, due date, funding, repayment and other contractual terms are shown in the applicable offer and signed agreement.
Payday calculation
Inputs
- illustrative amount;
- fee charged for each $100 borrowed;
- repayment period of 7, 14, 21, or 30 days;
- estimated funding or start date.
Results
- finance charge;
- total due;
- estimated due date;
- annualized APR;
- plain-language explanation of the scenario.
The actual offer and signed agreement control the amount, fee, APR, payment date, and total cost.
How the math works
Finance charge
Amount ÷ 100 × fee per $100
For a $500 example with a $15 fee per $100:
$500 ÷ 100 × $15 = $75
Total due
Amount + finance charge
$500 + $75 = $575
Annualized APR
The calculator annualizes the finance charge over a 365-day year:
Finance charge ÷ amount × 365 ÷ days × 100
For the same 14-day example, the illustrative APR is about 391.1%. APR makes loans with different terms easier to compare, but the dollar amount due still matters for the immediate budget.
Compare two payday scenarios
| Result | Scenario A | Scenario B |
|---|---|---|
| Amount | User input | User input |
| Fee per $100 | User input | User input |
| Days | User input | User input |
| Finance charge | Calculated | Calculated |
| Total due | Calculated | Calculated |
| APR | Calculated | Calculated |
| Due date | Calculated | Calculated |
Check the budget after repayment
Cost is only one half of the decision. Compare the calculated total due with expected take-home income and essential expenses for the pay period containing the due date.
Expected income − essential expenses − total due = remaining amount
Results:
- Buffer remains: continue comparing options; approval is still not guaranteed.
- Little or no buffer: lower the amount or use an alternative.
- Deficit: the scenario does not fit the stated budget.
For privacy, do not enter sensitive account credentials or identification details into a public planning calculator.
What the payday estimate does not include
Unless a field is explicitly added and supported by approved product data, the result does not include:
- late or returned-payment fees;
- refinancing or rollover costs;
- Extended Repayment Plan finance charges;
- bank overdraft or insufficient-funds fees;
- state-specific terms;
- a customer-specific approval amount;
- a change in cost caused by early or additional principal payment.
Installment mode is a comparison, not an offer
The secondary installment calculator demonstrates how an amortizing loan divides repayment across 3, 6, 12, or 24 months. It displays:
- scheduled payment;
- total of payments;
- total finance cost;
- amortization table;
- ending balance after each payment.
The installment scenario is educational and does not mean 500FastCash offers an installment product. The comparison helps users understand the difference between one full payment and several scheduled payments.
Use the actual agreement for the final decision
When an offer is available, replace every estimate with the disclosed figures. Confirm:
- amount you will receive;
- finance charge;
- APR;
- total due;
- scheduled payment date;
- authorized repayment method;
- consequences and costs of any extended schedule.
Save a copy before signing.
Frequently asked questions
Does a lower fee always mean a lower APR?
For the same amount and term, yes. But changing the term also changes annualized APR, so compare both the dollar finance charge and total due.
Why can a two-week fee produce a very high APR?
APR expresses the cost as if the rate continued for a full year. It is a comparison measure; the actual example is still repaid over the selected short period.
Does the calculator tell me how much I can qualify for?
No. It calculates examples only. Eligibility and amount are determined through the application review.
Is the due date exact?
No. The calculator adds the selected number of days to an educational start date. The agreement provides the actual due date.
Can I use the calculator to price an EPP?
Not unless the tool is connected to the customer’s approved account terms. EPP charges and schedules require a new agreement.
Calculate, compare, then read the offer
Use the tool to identify an affordable upper boundary—not to justify a larger request. The final decision must use the real disclosure and the essential-expense budget for the due date.