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