Pick your state, the amount, and your payday to see what you pay back and when. Each state’s law sets its own top amount, fee, and loan length, so the cost changes from state to state.
Check your cost
What a Cash Advance Costs in Each State
These examples use the same numbers as the calculator. Tap a state to see its full rules.
| State | Most You Can Get | Example | APR |
|---|---|---|---|
| Alabama | $500 | Get $500, pay back $587.50 in 2 weeks | 456% |
| Arizona | $5,000 | Installment loan: get $1,000, pay $105.49 a month for 12 months, $1,265.82 in total | About 46% |
| California | $255 cash on a $300 check | Get $255, pay back $300 in 2 weeks | 460% |
| Colorado | $500 | Get $300, pay $55.38 a month for 6 months, $332.28 in total | 36% |
| Florida | $500 | Get $500, pay back $555 in 2 weeks | 287% |
| Georgia | $5,000 | Installment loan: get $1,000, pay $96.54 a month for 12 months, $1,158.45 in total | About 28% |
| Idaho | $500 | Get $500, pay back about $592.50 in 2 weeks | About 482% |
| Indiana | $500 | Get $500, pay back $567 in 2 weeks | 349% |
| Kentucky | $500 | Get $500, pay back $588.24 in 2 weeks | 460% |
| Michigan | $500 | Get $300, pay back $342 in 2 weeks | 365% |
| Missouri | $500 | Get $500, pay back about $575 in 2 weeks | About 391% |
| North Carolina | $5,000 | Installment loan: get $1,000, pay $98.97 a month for 12 months, $1,187.62 in total | 33% |
| Ohio | $500 | Get $500, pay about $121.94 a month for 6 months, about $731.62 in total | About 145% |
| Texas | $500 | Get $300, pay back about $360 in 2 weeks | About 521% |
| Utah | $500 | Get $500, pay back about $625 in 2 weeks | About 652% |
| Virginia | $2,500 | Installment loan: get $1,000, pay about $294 a month for 4 months, about $1,176 in total | About 82% |
| Washington | $500 | Get $500, pay back $575 in 2 weeks | 391% |
| Wisconsin | $500 | Get $500, pay back about $590 in 2 weeks | About 469% |
| Wyoming | $400 | Get $400, pay back $480 in 1 month | About 235% |
Arizona, Georgia, North Carolina, and Virginia do not allow payday loans, so their rows show an installment loan. Where the law sets only a top price, the example uses that top price. Where the law sets no top fee, as in Texas, Idaho, Missouri, Utah, and Wisconsin, the example uses a common fee and says so.
How This Calculator Works
- State law: it uses your state’s top amount, top fee or APR, and how long the loan can last.
- Due date: if your due date falls on a weekend, it moves to the next weekday.
- APR: it shows the cost as a yearly rate, so you can compare it with other loans.
- Examples: where the law sets no single price, the box says so and shows an example.
- Estimate: it is not an offer. You see your exact payment and total cost before you sign.
Before you apply, see what you need to get a cash advance. For the rules in every state we serve, see Payday Loans by State.
