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Cash advance true-cost calculator

A $5 fee sounds small. On a $100 advance repaid in two weeks, it's like a 130% yearly rate. Enter your numbers to compare any advance with a loan or credit card.

Amount you receive ($) All fees you pay: membership, instant fee, tip ($) Days until it's repaid

Why a yearly rate?

Loans have to state an annual percentage rate (APR); most cash-advance apps don't, because their fees are called memberships, tips or express fees. Converting the fee lets you compare like with like. The formula is: fees ÷ amount × 365 ÷ days × 100.