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Payday loan cost calculator

Enter the amount, the number of days and your province. You’ll see the fee, the total you repay, the due date and the annual rate, next to a credit card cash advance for the same amount.

Pre-filled with your province’s legal maximum. Lower it if your lender charges less.

Fee
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Total to repay
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Due date
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Annual rate (APR)
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Same amount on a credit card cash advance (assuming 22.99% APR plus a $5 fee): —

Payday loans are one of the most expensive ways to borrow. These figures are estimates. Your lender’s contract shows the real cost and must follow your province’s rules.

Results are estimates for illustration only. Your actual cost, due date and terms are in your loan agreement.

Compare licensed lenders in British Columbia See cheaper options first

How is the cost worked out?

The fee is the amount borrowed times the cost per $100, divided by 100. The annual rate spreads that fee over a year: fee ÷ amount × 365 ÷ days. A $14 fee on $100 for 14 days is 365% a year.

One application. A real offer. Your decision.

Tell us what you need once. Our matching partner LeadScout looks for the lender that fits your answers and takes you straight to the offer. Read the cost, compare it with the alternatives, and only sign if it works for you.

Koke is not a lender and may be paid when you apply. Lenders decide approval, cost and terms. No SIN, online-banking login or ID photos asked.

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