{"id":1078268,"date":"2026-05-25T16:38:46","date_gmt":"2026-05-25T20:38:46","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=1078268"},"modified":"2026-10-30T16:44:10","modified_gmt":"2026-10-30T20:44:10","slug":"payday-loan-calculator","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loan-calculator","title":{"rendered":"Payday Loan Calculator in Canada"},"content":{"rendered":"<meta charset=\"UTF-8\">\n    <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n    <title>Payday Loan Calculator<\/title>\n    <style>\n        @font-face {\n            font-family: 'Modern Era Black';\n            src: url('\/fonts\/ModernEra-Black.woff2') format('woff2'),\n                 url('\/fonts\/ModernEra-Black.woff') format('woff');\n            font-weight: normal;\n            font-style: normal;\n        }\n\n        body {\n            font-family: 'Modern Era Black', sans-serif;\n            font-size: 16px;\n            margin: 0;\n            padding: 20px;\n        }\n\n        \/* Isolated styling using a unique ID so it won't affect other cards on your page *\/\n        #paydayCalculatorCard {\n            max-width: 440px;\n            margin: 0 auto;\n            background: #ffffff;\n            border-radius: 12px;\n            overflow: hidden;\n            border: 1px solid #ccc;\n            box-shadow: 0 4px 12px rgba(0, 0, 0, 0.08);\n        }\n\n        #loanCalculator {\n            padding: 20px;\n        }\n\n        \/* Grouped inputs to create natural layout spacing *\/\n        .form-group {\n            margin-bottom: 20px;\n        }\n\n        label, select, input, button {\n            font-family: 'Modern Era Black', sans-serif;\n            font-size: 16px;\n            outline-color: #6c7881;\n            display: block;\n            box-sizing: border-box; \n        }\n\n        label {\n            font-weight: bold;\n            margin-bottom: 8px;\n        }\n\n        input[type=\"number\"], select {\n            width: 100%;\n            padding: 12px;\n            border-radius: 5px;\n            border: 1px solid #ccc;\n        }\n\n        \/* Fixed calculate button alignment and spacing *\/\n        #calculateButton {\n            background-color: #1D53FF;\n            color: white;\n            border: none;\n            padding: 14px 20px;\n            cursor: pointer;\n            border-radius: 10px;\n            width: 100%;\n            font-weight: bold;\n            font-style: italic;\n            margin-top: 10px; \/* Forces separation from the loan term text box *\/\n            margin-bottom: 5px;\n        }\n\n        .error-message {\n            color: red;\n            font-size: 14px;\n            margin-top: 10px;\n            font-weight: bold;\n        }\n\n        #results {\n            margin-top: 20px;\n            font-size: 18px;\n            font-weight: bold;\n        }\n\n        #loanFeeLabel, #totalLoanCostLabel, #aprLabel {\n            display: none;\n            margin-top: 15px;\n            margin-bottom: 2px;\n        }\n\n        #loanFeeResult, #totalLoanCostResult, #aprResult {\n            margin: 0 0 15px 0;\n            font-size: 180%;\n            font-weight: bold;\n        }\n\n        #aprResult {\n            color: #1D53FF;\n        }\n\n        hr {\n            height: 2.5px;\n            border-width: 0;\n            background-color: #1D53FF;\n            margin: 20px 0;\n        }\n    <\/style>\n\n\n    <article class=\"luna-card--border\" id=\"paydayCalculatorCard\">\n        <div class=\"luna-card__block\">\n            <div style=\"background-color:#1D53FF; color:white; padding: 25px 20px;\">\n                <span style=\"font-size: 180%;\"><strong>Payday loan calculator<\/strong><\/span>\n                <p style=\"margin: 8px 0 0 0;\">Enter your details to see the total loan cost, including APR.<\/p>\n            <\/div>\n            \n            <form id=\"loanCalculator\">\n                <div class=\"form-group\">\n                    <label for=\"province\">Province:<\/label>\n                    <select id=\"province\" name=\"province\">\n                        <option value=\"\" selected disabled>- select -<\/option>\n                        <option value=\"alberta\" data-fee=\"14\">Alberta<\/option>\n                        <option value=\"british_columbia\" data-fee=\"14\">British Columbia<\/option>\n                        <option value=\"manitoba\" data-fee=\"14\">Manitoba<\/option>\n                        <option value=\"new_brunswick\" data-fee=\"14\">New Brunswick<\/option>\n                        <option value=\"newfoundland_and_labrador\" data-fee=\"14\">Newfoundland and Labrador<\/option>\n                        <option value=\"nova_scotia\" data-fee=\"14\">Nova Scotia<\/option>\n                        <option value=\"ontario\" data-fee=\"14\">Ontario<\/option>\n                        <option value=\"prince_edward_island\" data-fee=\"14\">Prince Edward Island<\/option>\n                        <option value=\"saskatchewan\" data-fee=\"14\">Saskatchewan<\/option>\n                    <\/select>\n                <\/div>\n\n                <div class=\"form-group\">\n                    <label for=\"loanAmount\">Loan amount ($50 - $1500):<\/label>\n                    <input type=\"number\" id=\"loanAmount\" name=\"loanAmount\" min=\"50\" max=\"1500\" placeholder=\"e.g. 500\">\n                <\/div>\n\n                <div class=\"form-group\">\n                    <label id=\"loanTermLabel\" for=\"loanTerm\">Loan term (5 - 62 days):<\/label>\n                    <input type=\"number\" id=\"loanTerm\" name=\"loanTerm\" min=\"5\" max=\"62\" placeholder=\"e.g. 14\">\n                <\/div>\n\n                <button type=\"button\" id=\"calculateButton\">CALCULATE<\/button>\n                <div class=\"error-message\" id=\"errorMessage\"><\/div>\n\n                <div id=\"results\">\n                    <label id=\"loanFeeLabel\">Loan fee:<\/label>\n                    <p id=\"loanFeeResult\"><\/p>\n\n                    <label id=\"totalLoanCostLabel\">Total loan cost:<\/label>\n                    <p id=\"totalLoanCostResult\"><\/p>\n\n                    <label id=\"aprLabel\">Annual percentage rate (APR):<\/label>\n                    <p id=\"aprResult\"><\/p>\n                <\/div>\n            <\/form>\n            \n            <hr>\n            \n            <small style=\"padding: 0 20px; display: block; margin-bottom: 25px; line-height: 1.5; color: #555;\">\n                <strong>Warning:<\/strong> Payday loans are a high-cost form of credit. A payday loan for $500.00 for 14 days with a total cost of borrowing of $70.00 has an annual percentage rate (APR) of 365%. This tool provides estimates only. Before you borrow, consider lower-cost alternatives like a bank loan, cash advance or line of credit.\n            <\/small>\n        <\/div>\n    <\/article>\n\n    <script>\n        document.addEventListener(\"DOMContentLoaded\", function() {\n            var provinceSelect = document.getElementById(\"province\");\n            var loanTermInput = document.getElementById(\"loanTerm\");\n            var loanTermLabel = document.getElementById(\"loanTermLabel\");\n            var errorMessage = document.getElementById(\"errorMessage\");\n\n            \/\/ Handle dynamically shifting ranges depending on the province chosen\n            provinceSelect.addEventListener(\"change\", function() {\n                if (provinceSelect.value === \"alberta\") {\n                    loanTermLabel.textContent = \"Loan term (42 - 62 days):\";\n                    loanTermInput.min = \"42\";\n                    loanTermInput.placeholder = \"e.g. 42\";\n                } else {\n                    loanTermLabel.textContent = \"Loan term (5 - 62 days):\";\n                    loanTermInput.min = \"5\";\n                    loanTermInput.placeholder = \"e.g. 14\";\n                }\n            });\n\n            function updateTotalCost() {\n                var loanAmountInput = document.getElementById(\"loanAmount\");\n                \n                var loanFeeLabel = document.getElementById(\"loanFeeLabel\");\n                var totalLoanCostLabel = document.getElementById(\"totalLoanCostLabel\");\n                var aprLabel = document.getElementById(\"aprLabel\");\n\n                var amountValue = parseFloat(loanAmountInput.value);\n                var termValue = parseInt(loanTermInput.value);\n                var selectedProvince = provinceSelect.value;\n\n                \/\/ Basic validation setup\n                if (selectedProvince === \"\" || isNaN(amountValue) || isNaN(termValue)) {\n                    errorMessage.textContent = \"Please select a province and fill out all fields.\";\n                    return;\n                }\n\n                if (amountValue < 50 || amountValue > 1500) {\n                    errorMessage.textContent = \"Please enter a loan amount between $50 and $1500.\";\n                    return;\n                }\n                \n                \/\/ Province-specific range enforcement\n                if (selectedProvince === \"alberta\") {\n                    if (termValue < 42 || termValue > 62) {\n                        errorMessage.textContent = \"Please enter a term between 42 and 62 days for Alberta.\";\n                        return;\n                    }\n                } else {\n                    if (termValue < 5 || termValue > 62) {\n                        errorMessage.textContent = \"Please enter a term between 5 and 62 days.\";\n                        return;\n                    }\n                }\n\n                errorMessage.textContent = \"\"; \n\n                var feePer100 = parseFloat(provinceSelect.options[provinceSelect.selectedIndex].getAttribute(\"data-fee\"));\n                var loanAmount = amountValue;\n\n                \/\/ Math\n                var loanFee = (loanAmount \/ 100) * feePer100;\n                var totalLoanCost = loanAmount + loanFee;\n                var apr = ((loanFee \/ loanAmount) \/ termValue) * 365 * 100;\n\n                \/\/ Output\n                document.getElementById(\"loanFeeResult\").innerHTML = \"$\" + loanFee.toFixed(2);\n                document.getElementById(\"totalLoanCostResult\").innerHTML = \"$\" + totalLoanCost.toFixed(2);\n                document.getElementById(\"aprResult\").innerHTML = apr.toFixed(2) + \"%\";\n\n                \/\/ Show labels\n                loanFeeLabel.style.display = \"block\";\n                totalLoanCostLabel.style.display = \"block\";\n                aprLabel.style.display = \"block\";\n            }\n\n            document.querySelector(\"#calculateButton\").addEventListener(\"click\", updateTotalCost);\n        });\n    <\/script>\n\n<h3>How to use this payday loan calculator<\/h3><ol><li>Select your province.<\/li><li>Input the amount you want to borrow.<\/li><li>Input the loan term (i.e., the number of days between the day you get your loan and your next payday).<\/li><\/ol><h3>Alternative to payday loans: Cash advances<\/h3><table class=\"luna-table luna-table--responsiveList\">\n<thead class=\"luna-table__header\">\n<tr>\n<th style=\"text-align: left; width: 20%;\" scope=\"col\">Lender<\/th>\n<th style=\"text-align: left; width: 20%;\" scope=\"col\">Cost<\/th>\n<th style=\"text-align: left; width: 20%;\" scope=\"col\">Loan amount<\/th>\n<th style=\"text-align: left; width: 20%;\" scope=\"col\">Loan term<\/th>\n<th style=\"text-align: left; width: 20%;\" scope=\"col\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"luna-table__body\">\n\n<tr>\n<td style=\"text-align: left;\">\n<div style=\"text-align: center; display: block;\"><a href=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/KOHOLogo_Supplied_325x100-1.png\"><img decoding=\"async\" class=\"size-full wp-image-1072956 alignnone\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/KOHOLogo_Supplied_325x100-1.png\" alt=\"KOHO\" width=\"325\" height=\"100\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/KOHOLogo_Supplied_325x100-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/KOHOLogo_Supplied_325x100-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/KOHOLogo_Supplied_325x100-1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/KOHOLogo_Supplied_325x100-1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/KOHOLogo_Supplied_325x100-1.png?fit=975 975w\" sizes=\"(max-width: 975px) 100vw, 975px\" loading=\"lazy\"><\/a>\n<strong>Cash Advance<\/strong><\/div><\/td>\n<td>0%<span class=\"table-popover\" rel=\"popover\" data-content=\"No interest is charged to access a cash advance, however a fee is charged monthly (from as little as $2.00\/month). Interest rates displayed are Annual Percentage Rates (APRs) and are provided by our lending partners or obtained on the brand's website. The rates are not guaranteed and should be used for general information purposes only. Interest rates will depend on your location, the lender\u2019s assessment of your credit profile and other circumstances. All loan applications are subject to the lender\u2019s credit criteria, approval and terms and conditions.\" title=\"\" data-original-title=\"\"><\/span> + monthly fee from $2<\/td>\n<td>$20 \u2013 $500<\/td>\n<td>Flexible<\/td>\n<td style=\"text-align: center;\"><div class=\"rewards--element-container rewards--container\" data-product-id=\"f256ae15-efed-4744-b404-5007adc7d719\" data-niche=\"CAFPL-CAA\" data-product-name=\"KOHO Cover\" data-provider-name=\"KOHO\" data-rewards-campaign-name=\"koho|cover|nov-2026~cafpl\"><script type=\"text\/javascript\">window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"koho|cover|nov-2026~cafpl\"] = {\"startDate\":\"2026-11-04T15:00:00.000Z\",\"endDate\":\"2026-12-31T04:59:59.000Z\",\"showVisaLogo\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"isTieredReward\":false,\"rewardCopy\":\"Join Finder then open and fund a new KOHO account through Finder as a first-time customer and keep it open until February 15, 2027 to receive a $75 digital Visa gift card. Ends 30 Dec 2026.\",\"hasEligibilityCriteria\":true,\"offerStacking\":true,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"\",\"title\":\"Get $75 from Finder\",\"titleHighlight\":\"$75\",\"copyText\":\"Become a Finder member, then open and fund a new \\u003Cb\\u003EKOHO account\\u003C\\\/b\\u003E through Finder as a first-time customer. Keep the account open until February 15, 2027. Offer ends December 30, 2026.\",\"termsText\":\"Separate T\\u0026Cs apply.\",\"ctaText\":\"SIGN UP \\u0026 GET $75\",\"nicheText\":\"Cash Advance Apps\",\"mode\":\"modal\",\"metaData\":{\"productId\":\"f256ae15-efed-4744-b404-5007adc7d719\"},\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/niche-builder\\\/6ac3a6446a342.png\",\"nicheCode\":\"CAFPL-CAA\",\"value\":\"75\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/cash-advance-apps\\\/finder-x-koho-cover-promotion\",\"validationDate\":\"2027-01-30T05:00:00.000Z\",\"fulfillmentDate\":\"2027-02-16T04:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-koho-promotion-terms-and-conditions\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\",\"partnerRewardValue\":null},\"modalConfig\":{\"requireName\":true,\"title\":\"Get $75 from Finder\",\"subtitleText\":\"KOHO Cover\",\"items\":[{\"icon\":\"shopping-bag\",\"text\":\"Create a Finder account for free instantly\"},{\"icon\":\"user\",\"text\":\"Open a new KOHO account by December 30, 2026\"},{\"icon\":\"confetti\",\"text\":\"Fund your KOHO account within the promotion period \"},{\"icon\":\"gift\",\"text\":\"Get your $75 digital Visa card from Finder on or before February 15, 2027\"}],\"heading\":\"Get your $75 Visa gift card\",\"membersHeading\":\"\",\"text\":\"Enter your email to get your reward when you sign up to KOHO\",\"membersText\":\"Claim your reward when you sign up to KOHO\",\"emailCaption\":\"Your details must match your new KOHO account\",\"badgeText\":\"\\u003Creward_value\\u003E REWARD\",\"tieredValuePrefix\":\"Up to \",\"firstNameLabel\":\"First name\",\"lastNameLabel\":\"Last name\",\"emailLabel\":\"Email address\",\"emailPlaceholder\":\"email@example.com\",\"firstNameErrorText\":\"Invalid first name\",\"lastNameErrorText\":\"Invalid last name\",\"emailErrorText\":\"Invalid email address\",\"paymentTimelineText\":\"Payment within \\u003Cfulfillment_days\\u003E days of signup or purchase.\",\"legalText\":\"By submitting your details you agree to our \\u003Cterms_of_service_link\\u003E and \\u003Cprivacy_policy_link\\u003E.\",\"softAccountLegalText\":\"By entering your email address, you agree to create a Finder account subject to our \\u003Cterms_of_service_link\\u003E and \\u003Cprivacy_policy_link\\u003E.\",\"termsOfServiceLinkText\":\"terms of service\",\"privacyPolicyLinkText\":\"privacy policy\",\"continueText\":\"CLAIM $75\",\"abortText\":\"CONTINUE WITHOUT REWARD\",\"copyText\":\"November 4, 2026 - December 30, 2026\",\"termsText\":\"T\\u0026Cs apply\",\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/niche-builder\\\/6ac3a6446a342.png\",\"nicheCode\":\"CAFPL-CAA\",\"value\":\"75\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/cash-advance-apps\\\/finder-x-koho-cover-promotion\",\"validationDate\":\"2027-01-30T05:00:00.000Z\",\"fulfillmentDate\":\"2027-02-16T04:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-koho-promotion-terms-and-conditions\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\",\"partnerRewardValue\":null,\"criteriaText\":\"Join Finder then open and fund a new KOHO account through Finder as a first-time customer and keep it open until February 15, 2027 to receive a $75 digital Visa gift card. Ends 30 Dec 2026.\",\"membersCriteriaText\":\"Open and fund a new KOHO account through Finder as a first-time customer and keep it open until February 15, 2027 to receive a $75 digital Visa gift card. Ends 30 Dec 2026.\"}};<\/script> <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/koho-cover-ca-overdraft-protection-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL-CAA%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%22%2C%22offer_id%22%3A%2224890%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%22f256ae15-efed-4744-b404-5007adc7d719%22%2C%22product_name%22%3A%22KOHO%2BCover%22%2C%22provider_id%22%3A%22e32c50f7-c28d-4e2e-b914-e27d6a80ac43%22%2C%22provider_name%22%3A%22KOHO%22%2C%22post_id%22%3A%221078268%22%2C%22post_path%22%3A%22payday-loans%252Fpayday-loan-calculator%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1074402%2C%22name%22%3A%22loans-apps%22%2C%22country%22%3A%22ca%22%7D%7D\" class=\"luna-button luna-button--success rewards--cta\">Go to site<\/a><\/div><\/td>\n<\/tr><tr class=\"frr-banner frr-banner-f256ae15-efed-4744-b404-5007adc7d719\">\n<th style=\"border-top: none !important; padding-top: 0 !important; font-weight: normal !important;\" colspan=\"5\">\n<style>\ntr:has(+ tr.frr-banner-f256ae15-efed-4744-b404-5007adc7d719) td .rewards--container,\ntr:has(+ tr.frr-banner-f256ae15-efed-4744-b404-5007adc7d719) td .luna-button\n{\ndisplay: none !important;\n}\n@media (max-width: 600px)\n{\n.luna-table--responsiveList tr:has(+ tr.frr-banner-f256ae15-efed-4744-b404-5007adc7d719)\n{\nborder-bottom: 0 !important;\nborder-bottom-left-radius: 0 !important;\nborder-bottom-right-radius: 0 !important;\n}\n.luna-table--responsiveList tr.frr-banner-f256ae15-efed-4744-b404-5007adc7d719\n{\nmargin-top: 0 !important;\nborder-top: 0 !important;\nborder-top-left-radius: 0 !important;\nborder-top-right-radius: 0 !important;\n}\n.luna-table--responsiveList tr.frr-banner-f256ae15-efed-4744-b404-5007adc7d719 th\n{\npadding-top: 0 !important;\n}\n}\n<\/style>\n<article class=\"luna-card--border luna-card--alt\">\n<div class=\"luna-card__block\">\n<span class=\"gx-badge__body hasPopover\" style=\"margin-right: 2rem\" rel=\"popover\" data-content=\"\" data-html=\"true\" data-original-title=\"\" title=\"\">Exclusive<\/span>\n<div class=\"has-padding-xsmall\"><\/div>\n<div class=\"u-grid u-grid--alignStretch\">\n<div class=\"u-grid__col u-4\/5@s u-1\/1\"><p style=\"font-size: 110%;\">+ Get a <strong>$75 digital Visa card<\/strong> when you open and fund a new <strong>KOHO account<\/strong> online through Finder as a first-time customer. Become a Finder member in seconds for free. Keep the account open until February 15, 2027. <strong>Offer ends December 30, 2026<\/strong>. T&amp;Cs apply.<\/p><\/div>\n<div class=\"u-grid__col u-1\/5@s u-1\/1\" style=\"display: block; text-align: center;\">\n<p style=\"text-align: center;\"><\/p><div class=\"rewards--element-container rewards--container\" data-product-id=\"f256ae15-efed-4744-b404-5007adc7d719\" data-niche=\"CAFPL-CAA\" data-product-name=\"KOHO Cover\" data-provider-name=\"KOHO\" data-rewards-campaign-name=\"koho|cover|nov-2026~cafpl\"><script type=\"text\/javascript\">window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"koho|cover|nov-2026~cafpl\"] = {\"startDate\":\"2026-11-04T15:00:00.000Z\",\"endDate\":\"2026-12-31T04:59:59.000Z\",\"showVisaLogo\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"isTieredReward\":false,\"rewardCopy\":\"Join Finder then open and fund a new KOHO account through Finder as a first-time customer and keep it open until February 15, 2027 to receive a $75 digital Visa gift card. Ends 30 Dec 2026.\",\"hasEligibilityCriteria\":true,\"offerStacking\":true,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"\",\"title\":\"Get $75 from Finder\",\"titleHighlight\":\"$75\",\"copyText\":\"Become a Finder member, then open and fund a new \\u003Cb\\u003EKOHO account\\u003C\\\/b\\u003E through Finder as a first-time customer. Keep the account open until February 15, 2027. Offer ends December 30, 2026.\",\"termsText\":\"Separate T\\u0026Cs apply.\",\"ctaText\":\"SIGN UP \\u0026 GET $75\",\"nicheText\":\"Cash Advance Apps\",\"mode\":\"modal\",\"metaData\":{\"productId\":\"f256ae15-efed-4744-b404-5007adc7d719\"},\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/niche-builder\\\/6ac3a6446a342.png\",\"nicheCode\":\"CAFPL-CAA\",\"value\":\"75\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/cash-advance-apps\\\/finder-x-koho-cover-promotion\",\"validationDate\":\"2027-01-30T05:00:00.000Z\",\"fulfillmentDate\":\"2027-02-16T04:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-koho-promotion-terms-and-conditions\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\",\"partnerRewardValue\":null},\"modalConfig\":{\"requireName\":true,\"title\":\"Get $75 from Finder\",\"subtitleText\":\"KOHO Cover\",\"items\":[{\"icon\":\"shopping-bag\",\"text\":\"Create a Finder account for free instantly\"},{\"icon\":\"user\",\"text\":\"Open a new KOHO account by December 30, 2026\"},{\"icon\":\"confetti\",\"text\":\"Fund your KOHO account within the promotion period \"},{\"icon\":\"gift\",\"text\":\"Get your $75 digital Visa card from Finder on or before February 15, 2027\"}],\"heading\":\"Get your $75 Visa gift card\",\"membersHeading\":\"\",\"text\":\"Enter your email to get your reward when you sign up to KOHO\",\"membersText\":\"Claim your reward when you sign up to KOHO\",\"emailCaption\":\"Your details must match your new KOHO account\",\"badgeText\":\"\\u003Creward_value\\u003E REWARD\",\"tieredValuePrefix\":\"Up to \",\"firstNameLabel\":\"First name\",\"lastNameLabel\":\"Last name\",\"emailLabel\":\"Email address\",\"emailPlaceholder\":\"email@example.com\",\"firstNameErrorText\":\"Invalid first name\",\"lastNameErrorText\":\"Invalid last name\",\"emailErrorText\":\"Invalid email address\",\"paymentTimelineText\":\"Payment within \\u003Cfulfillment_days\\u003E days of signup or purchase.\",\"legalText\":\"By submitting your details you agree to our \\u003Cterms_of_service_link\\u003E and \\u003Cprivacy_policy_link\\u003E.\",\"softAccountLegalText\":\"By entering your email address, you agree to create a Finder account subject to our \\u003Cterms_of_service_link\\u003E and \\u003Cprivacy_policy_link\\u003E.\",\"termsOfServiceLinkText\":\"terms of service\",\"privacyPolicyLinkText\":\"privacy policy\",\"continueText\":\"CLAIM $75\",\"abortText\":\"CONTINUE WITHOUT REWARD\",\"copyText\":\"November 4, 2026 - December 30, 2026\",\"termsText\":\"T\\u0026Cs apply\",\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/niche-builder\\\/6ac3a6446a342.png\",\"nicheCode\":\"CAFPL-CAA\",\"value\":\"75\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/cash-advance-apps\\\/finder-x-koho-cover-promotion\",\"validationDate\":\"2027-01-30T05:00:00.000Z\",\"fulfillmentDate\":\"2027-02-16T04:59:59.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-koho-promotion-terms-and-conditions\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\",\"partnerRewardValue\":null,\"criteriaText\":\"Join Finder then open and fund a new KOHO account through Finder as a first-time customer and keep it open until February 15, 2027 to receive a $75 digital Visa gift card. Ends 30 Dec 2026.\",\"membersCriteriaText\":\"Open and fund a new KOHO account through Finder as a first-time customer and keep it open until February 15, 2027 to receive a $75 digital Visa gift card. Ends 30 Dec 2026.\"}};<\/script> <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/koho-cover-ca-overdraft-protection-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Get%2BDeal%22%2C%22site%22%3A%22CAFPL-CAA%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%22%2C%22offer_id%22%3A%2224890%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%22f256ae15-efed-4744-b404-5007adc7d719%22%2C%22product_name%22%3A%22KOHO%2BCover%22%2C%22provider_id%22%3A%22e32c50f7-c28d-4e2e-b914-e27d6a80ac43%22%2C%22provider_name%22%3A%22KOHO%22%2C%22post_id%22%3A%221078268%22%2C%22post_path%22%3A%22payday-loans%252Fpayday-loan-calculator%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1085724%2C%22name%22%3A%22finder-reward-row%22%2C%22country%22%3A%22ca%22%7D%7D\" class=\"luna-button luna-button--success rewards--cta\">Get Deal<\/a><\/div>\n<div style=\"padding-top: 10px;\"><\/div>\n<p><a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/finder-x-koho-cover-promotion\">Learn more<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/article><\/th>\n<\/tr>\n\n\n<tr>\n<td style=\"text-align: left;\">\n<div style=\"text-align: center; display: block;\"><img decoding=\"async\" class=\"size-full wp-image-1072965\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/NybleLogo_Supplied_325x100-1.png\" alt=\"Nyble\" width=\"325\" height=\"100\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/NybleLogo_Supplied_325x100-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/NybleLogo_Supplied_325x100-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/NybleLogo_Supplied_325x100-1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/NybleLogo_Supplied_325x100-1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2026\/02\/NybleLogo_Supplied_325x100-1.png?fit=975 975w\" sizes=\"(max-width: 975px) 100vw, 975px\" loading=\"lazy\">\n<strong>Credit Line<\/strong><\/div><\/td>\n<td>0%<span class=\"table-popover\" rel=\"popover\" data-content=\"No interest or fees are charged to access a cash advance, but there is an optional $11.99\/month fee for membership to get premium services such as instant funding. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/td>\n<td>$30 \u2013 $250<\/td>\n<td>31 days, extendable<\/td>\n<td style=\"text-align: center;\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/nyble-pay-advance-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL-CAA%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2B%22%2C%22offer_id%22%3A%2223215%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%2267d91ad3-fadc-4803-bce1-ea50a0b9761f%22%2C%22product_name%22%3A%22Nyble%2BCredit%2BLine%22%2C%22provider_id%22%3A%22ebeeeb79-83ef-4800-894b-85bc38778e7c%22%2C%22provider_name%22%3A%22Nyble%22%2C%22post_id%22%3A%221078268%22%2C%22post_path%22%3A%22payday-loans%252Fpayday-loan-calculator%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1074402%2C%22name%22%3A%22loans-apps%22%2C%22country%22%3A%22ca%22%7D%7D\" class=\"luna-button luna-button--success \">Go to site<\/a><\/td>\n<\/tr>\n\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong><img decoding=\"async\" class=\"alignnone wp-image-1009868\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/BreeLogo_Supplied.png\" alt=\"Bree\" width=\"162\" height=\"36\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/BreeLogo_Supplied.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/BreeLogo_Supplied.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/BreeLogo_Supplied.png?fit=486 486w\" sizes=\"(max-width: 486px) 100vw, 486px\" loading=\"lazy\"><\/strong><\/p>\n<p style=\"text-align: center;\"><strong>Early Pay<\/strong><\/p>\n<\/td>\n<td>0%<span class=\"table-popover\" rel=\"popover\" data-content=\"No interest or fees are charged to access a cash advance, but there is an optional transfer fee of  $2.99 \u2013 $45.99 to access instant funding. Interest rates shown reflect the Annual Percentage Rate (APR) range currently advertised by the lender and are subject to change anytime, without notice. Finder does not guarantee that the figures shown will continue to be accurate or current. Figures shown are solely intended to be indicative and for general informational purposes only. Confirm the actual rates currently offered with the lender directly. Your exact rate, if any is offered to you, will be determined solely by the lender based on its assessment of your loan application, which is subject to the lender\u2019s terms and conditions and credit criteria.\" title=\"\" data-original-title=\"\"><\/span><\/td>\n<td>$20 - $750<\/td>\n<td>Next pay cycle (90 days max)<\/td>\n<td style=\"text-align: center;\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/bree-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22CAFPL-CAA%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2Bhas-margin-bottom-small%22%2C%22offer_id%22%3A%2223342%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22product_id%22%3A%2209a8b8bb-ef71-4a58-a987-6c0b694b0e55%22%2C%22product_name%22%3A%22Bree%2BEarly%2BPay%22%2C%22provider_id%22%3A%224e4ab891-7bbb-4486-ab5c-34b55900e6c3%22%2C%22provider_name%22%3A%22Bree%22%2C%22post_id%22%3A%221078268%22%2C%22post_path%22%3A%22payday-loans%252Fpayday-loan-calculator%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1074402%2C%22name%22%3A%22loans-apps%22%2C%22country%22%3A%22ca%22%7D%7D\" class=\"luna-button luna-button--success has-margin-bottom-small\">Go to site<\/a><\/td>\n<\/tr>\n\n<\/tbody>\n<\/table>\n\n\n<h3>What are the interest rates of payday loans?<\/h3><p><a href=\"http:\/\/finder.com\/ca\/payday-loans\">Payday loans in Canada<\/a> cost $14 for every $100 borrowed, reaching annual percentage rates (APRs) in the triple digits.<\/p><h3>What is APR?<\/h3><p>A payday loan APR represents the yearly cost of borrowing. It often reaches nearly 300%\u2013400%+ because high, short-term fees accumulate drastically over a full year.<\/p><h3>How does the cost of a payday loan compare to other loans?<\/h3><p>Here\u2019s how the cost of payday loans compares to those of cash advance apps, personal loans and credit card cash advances, for a $250 loan.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: center; width: 15%;\" scope=\"col\"><\/th><th style=\"text-align: center; width: 21%;\" scope=\"col\"><strong>Payday loan <\/strong><\/th><th style=\"text-align: center; width: 22%;\" scope=\"col\"><strong>Credit card cash advance (23% APR + 5% fee)<\/strong><\/th><th style=\"text-align: center; width: 21%;\" scope=\"col\"><strong>Cash advance app (free 3-day delivery)<\/strong><\/th><th style=\"text-align: center; width: 21%;\" scope=\"col\"><strong>Cash advance app (instant)<\/strong><\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td><strong>Loan amount<\/strong><\/td><td>$250<\/td><td>$250<\/td><td>$250<\/td><td>$250<\/td><\/tr><tr><td><strong>Loan term<\/strong><\/td><td>30 days<\/td><td>30 days<\/td><td>30 days<\/td><td>30 days<\/td><\/tr><tr><td><strong>Fee<\/strong><\/td><td>$35<\/td><td>$4.73 + $12.50 = $17.23<\/td><td>$0<\/td><td>$11.99\/mo (cancel before the 2nd month)<\/td><\/tr><tr><td><strong>Total loan cost<\/strong><\/td><td>$285<\/td><td>$267.23<\/td><td>$250<\/td><td>$261.99<\/td><\/tr><tr><td><strong>APR<\/strong><\/td><td><strong>170.33%<\/strong><\/td><td><strong>83.8%<\/strong><\/td><td><strong>0%<\/strong><\/td><td><strong>58.3%<\/strong><\/td><\/tr><\/tbody><\/table><p>As we can see in this table, payday loans have the highest yearly cost of borrowing.<\/p><h3>Alternatives to payday loans that don\u2019t involve more debt<\/h3><ul><li><strong>Side hustles.<\/strong> Increase your income with <a href=\"https:\/\/www.finder.com\/ca\/make-money-online\/easy-side-hustles-canada\">easy, beginner-friendly side hustles<\/a>.<\/li><li><strong>Negotiate.<\/strong> Ask your creditors for extensions or partial-payment plans.<\/li><li><strong>Financial assistance.<\/strong> Visit <a href=\"https:\/\/211.ca\/\" target=\"_blank\" rel=\"noopener\">211.ca<\/a> to get connected to the right support.<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loan-alternatives\" style=\"text-decoration:underline; font-size:0.9em;\">Payday loan alternatives in Canada<\/a>\n<\/div>\n<\/article>","protected":false},"excerpt":{"rendered":"<p>Calculate the cost of your payday loan in Canada.<\/p>\n","protected":false},"author":1000,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"payday loan calculator","_yoast_wpseo_title":"Payday Loan Calculator in Canada | Finder Canada","_yoast_wpseo_metadesc":"How much does your payday loan cost? Calculate the APR and total fees using this Canadian payday loan calculator.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":"false","post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":"false","post_editor":"-1","post_editor_date":null,"post_author_date":"","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2026-05-25 20:38:49\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":""},"categories":[5506],"tags":[],"asset_tag":[],"class_list":["post-1078268","post","type-post","status-publish","format-standard","hentry","category-payday-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Payday Loan Calculator in Canada | Finder Canada<\/title>\n<meta name=\"description\" content=\"How much does your payday loan cost? Calculate the APR and total fees using this Canadian payday loan calculator.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loan-calculator\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Payday Loan Calculator in Canada\" \/>\n<meta property=\"og:description\" content=\"How much does your payday loan cost? 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