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Rates and Terms



Pay1Day.com uses different finance charge through various factors including, but not limited to, your credit history, employment history, and loan history. Existing customers can improve their rate once they have built their loan repayment history with us. If you have any question about yours, please feel free to contact us.

Your loan will be due on your next payday within 14 days. Finance charges are calculated on the basis of $25~$40 per $100 borrowed, which is equivalent to an APR of 651.79%~1042.86% (14 days advance term basis). The maximum advance term is 31 days. For further questions, please call 1-888-729-1329.

Example Table: on the basis of $35 per $100 borrowed.

Loan Amount
$100 $300 $500
Term in days Annual Percentage Finance charge Scheduled payback Finance charge Scheduled payback Finance charge Scheduled payback
4 3193.75% 35 135 105 405 175 675
5 2555.00% 35 135 105 405 175 675
6 2129.17% 35 135 105 405 175 675
7 1825.00% 35 135 105 405 175 675
8 1596.88% 35 135 105 405 175 675
9 1419.44% 35 135 105 405 175 675
10 1277.50% 35 135 105 405 175 675
11 1161.36% 35 135 105 405 175 675
12 1064.58% 35 135 105 405 175 675
13 982.69% 35 135 105 405 175 675
14 912.50% 35 135 105 405 175 675
15 851.67% 35 135 105 405 175 675
16 798.44% 35 135 105 405 175 675
17 751.47% 35 135 105 405 175 675
18 709.72% 35 135 105 405 175 675
19 672.37% 35 135 105 405 175 675
20 638.75% 35 135 105 405 175 675
21 608.33% 35 135 105 405 175 675
22 580.68% 35 135 105 405 175 675
23 555.43% 35 135 105 405 175 675
24 532.29% 35 135 105 405 175 675
25 511.00% 35 135 105 405 175 675
26 491.35% 35 135 105 405 175 675
27 473.15% 35 135 105 405 175 675
28 456.25% 35 135 105 405 175 675
29 440.52% 35 135 105 405 175 675
30 425.83% 35 135 105 405 175 675
31 412.10% 35 135 105 405 175 675