Free Payday Loan Tools

Six interactive utilities to help you make a smarter short-term borrowing decision. No sign-up, no application — answer the questions and get a verdict in under a minute.

Cost calculators

Understand the actual expense in dollars before you commit — see the APR, all fees, and the total impact of a loan renewal.

Loan Cost Calculator
Enter loan amount + your state. Returns total cost, APR, fees, and finance charge — using the rates your state actually allows.
Rollover Cost Simulator
Move a slider for each renewal and watch the fees stack up against the amount you originally borrowed. Shows the debt-trap math.

Decision tools

Rapid outcomes to help determine whether and in what way to get a loan.

Affordability Checker
Three-question check that returns a red / yellow / green verdict on whether you can realistically repay on time.
Payday vs. Alternatives
Six common ways to cover a short-term shortfall, ranked side-by-side by true dollar cost and speed.

Eligibility & safety

Check your area's legal requirements and the lender's legitimacy before submitting your application.

State Eligibility Checker
Type your ZIP code, see what loan products are legally available in your state, with caps, fees and license requirements.
Scam Spotter
Paste a lender's name or URL. We check it against state license databases and flag common fake-lender red flags.

More from Big Daddy Loans

Interested in comprehensive context, beyond just the calculators?

Learn Center
Plain-language explainers and in-depth guides about short-term borrowing.
Research & Data
Original analysis of payday-loan costs, rollover rates and borrowers.
Borrower Stories
Three real-world case studies of short-term borrowing decisions.