Cash advance cost calculator
The law's numbers, not a lender's pitch: choose a licensed state and an amount to see the top legal fee for a two-week advance. Where a state fixes no fee, the typical market range is shown instead.
Reading the result
The fee shown is what the statute allows — not what an ad promises. In a 15% state, $300 borrowed costs $45 for two weeks (APR near 391%, which is exactly why a cash advance is a two-week tool rather than long-term credit). Where no statutory fee exists, the range is a market estimate; the contract you sign is the binding number.
Worked examples from the dataset
Same $300, same two weeks, different state law — this is the whole reason the calculator asks for your state:
| State | Fee | Total repaid | APR (14 days) |
|---|---|---|---|
| Florida | $30 | $330 | ≈261% |
| Missouri | $225 | $525 | ≈1955% |
What the calculator can't do
It models the flat-fee cash advance — one fee, one repayment — which is the licensed product in every state listed. It won't price tribal installment loans (those are lender-set across months, with no statutory input), and it won't reflect a specific lender's discounts or membership pricing. Treat the result as the legal outer edge of the market, then make real offers compete against it.
States that don't license cash advances aren't listed — see the honest status table across all covered states. Need larger sums in monthly installments? That's the tribal route — every state page (for instance Texas) prices the trade.
What can you use a cash advance for?
- Emergency expensesa bill that can’t wait for the next paycheck
- Utility billsavoid late and reconnection fees
- Car repairsthe commute you can’t skip
- Medical co-paysprescriptions and urgent care
- Rent & groceriesbridge the gap between paychecks
- One-time small costs$100–$1,000, per your state’s cap
Why borrowers choose Certes Lodge
- Online, around the clock. apply at any hour — no storefront hours, decision in minutes
- Built for urgent gaps. funding by next business day, same day at some lenders
- Bad credit considered. underwriting keys on income and a checking account — many lenders skip Teletrack and the hard pull
- The cost is printed first. every guide shows statutory caps and typical APRs before you apply — no fee-schedule surprises
- Simple eligibility. 18+, verifiable income, an active checking account — criteria most applicants meet
- One predictable repayment. a single debit on payday — the due date and total are set before you sign
Get Your Offers
2 minutes · Soft check only · Free to apply
Disclosure. Certes Lodge is not a lender, does not broker loans, and makes no credit decisions. Tribal installment loans come from lenders operating under tribal law; state-licensed cash advances are extended by third-party lenders under your state's rules, with APRs that may run from 35.99% to 359.99% depending on the product and term. A short-term loan covers a temporary cash gap — it will not fix a long-term debt problem, and late or missed payments can trigger added fees and collection activity. Read the lender's agreement — especially the governing-law and arbitration clauses — before you sign anything.