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Payday Loan Calculator

Enter the loan amount, term, and fees to view your total repayment and APR. Use it to compare costs and choose smarter borrowing options.
$100 $1,500
Slider increases by $100 each time.
$10 $400
Finance charge shows how much extra you'll pay on top of the borrowed amount
7 days 92 days
Amount paid back
$345
in 30 days
APR 547%
Compare your calculated APR with other options.
Installment loans average 6–36% APR, and credit cards about 23.99%.

Online loans

Payday Loans

Need a little extra cash to make it to payday? Borrow up to $1,000 to handle unexpected expenses with a fast, easy online application. Get the breathing room you need until your next check clears.

Installment Loans

Borrow up to $5,000 and pay it back on a schedule that works for you. With fixed, predictable monthly payments, you can take care of bigger expenses without putting a strain on your budget. No surprises, no stress.

All Loans Online

Skip the line and apply from the comfort of your couch. Our entirely digital process makes it easy to explore your options, apply, and get funded — all online. Need a hand? Our virtual support team is just a click away.

Loans Near Me

Prefer to handle things face-to-face? Stop by a 15M Finance branch near you. Our friendly, local team is ready to walk you through your options step-by-step and help you leave with cash in hand today.

Bad Credit Loans

Don’t let a less-than-perfect credit score hold you back. We look beyond your FICO score to help you secure up to $10,000 in funding. Plus, there are no hard credit checks involved, so applying won’t hurt your current rating.

Personal Loans

Whether you’re consolidating debt, making home repairs, or handling an emergency, our personal loans give you the flexibility you need. Apply before our daily cut-off time, and you could see the funds in your account by the end of the day.

Instant Loans

When you need money right now, waiting isn’t an option. Our automated system gives you a lightning-fast decision. Once approved, your cash is transferred instantly so you can handle your business and get back to your day.