California Payday Loan Fee Calculator
The math is fixed by statute — 15% of the face value — so the only variables are how much you borrow and for how long. Set them below.
What will it cost you?
California caps deferred deposit (payday) loans at $300 with a maximum fee of 15% of the face value.
APR = (fee ÷ amount) × (365 ÷ days). Fees don't compound — but rollovers are illegal in California precisely because repeating this fee every two weeks is what traps borrowers.
How the 15% works, with examples
California doesn't charge interest on deferred deposit loans; it allows a flat fee of up to 15% of the check's face value. The APR you effectively pay depends entirely on the term:
| You borrow | Fee (7 days) | Fee (14 days) | Fee (30 days) | Total due (7d) | Total due (14d) | Total due (30d) | APR (7d) | APR (14d) | APR (30d) |
|---|---|---|---|---|---|---|---|---|---|
| $100 | $15 | $15 | $15 | $115 | $115 | $115 | 782% | 391% | 182% |
| $255 | $38.25 | $38.25 | $38.25 | $293.25 | $293.25 | $293.25 | 782% | 391% | 182% |
| $300 | $45 | $45 | $45 | $345 | $345 | $345 | 782% | 391% | 182% |
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