{"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":"2026-05-25T16:44:11","modified_gmt":"2026-05-25T20:44:11","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        }\n        #loanCalculator {\n            max-width: 400px;\n            margin: 0 auto;\n            text-align: left;\n        }\n        label, select, input, button {\n            margin-bottom: 15px;\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        input[type=\"number\"], select {\n            width: 100%;\n            padding: 10px;\n            border-radius: 5px;\n            border: 1px solid #ccc;\n        }\n        #calculateButton {\n            background-color: #1D53FF;\n            color: white;\n            border: none;\n            padding: 12px 20px;\n            cursor: pointer;\n            border-radius: 10px;\n            width: 100%;\n            font-weight: bold;\n            font-style: italic;\n        }\n        label {\n            font-weight: bold;\n        }\n        #results {\n            margin-top: 20px;\n            font-size: 18px;\n            font-weight: bold;\n        }\n        #loanFeeLabel, #totalLoanCostLabel, #aprLabel {\n            display: none;\n        }\n        #loanFeeResult, #aprResult {\n            margin-bottom: 15px;\n            font-size: 180%;\n            font-weight: bold;\n        }\n        #totalLoanCostResult {\n            margin-bottom: 15px;\n            font-size: 180%;\n        }\n        #aprResult {\n            color: #1D53FF;\n            font-size: 180%;\n            font-weight: bold;\n        }\n        hr {\n            height: 2.5px;\n            border-width: 0;\n            background-color: #1D53FF;\n            margin: 20px 0;\n        }\n        .error-message {\n            color: red;\n            font-size: 14px;\n            margin-bottom: 10px;\n        }\n    <\/style>\n\n\n    <article class=\"luna-card--border luna-card--shadow\">\n        <div class=\"luna-card__block\">\n            <div style=\"background-color:#1D53FF; color:white; padding: 20px;\">\n                <span style=\"font-size: 180%;\"><strong>Payday loan calculator<\/strong><\/span>\n                <p>Enter your details to see the total loan cost, including APR.<\/p>\n            <\/div>\n            \n            <form id=\"loanCalculator\" style=\"padding: 20px;\">\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\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\n                <label 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\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            <hr>\n            <small style=\"padding: 0 20px; display: block; margin-bottom: 20px;\">\n                Warning: 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            function updateTotalCost() {\n                var provinceSelect = document.getElementById(\"province\");\n                var loanAmountInput = document.getElementById(\"loanAmount\");\n                var loanTermInput = document.getElementById(\"loanTerm\");\n                \n                var loanFeeLabel = document.getElementById(\"loanFeeLabel\");\n                var totalLoanCostLabel = document.getElementById(\"totalLoanCostLabel\");\n                var aprLabel = document.getElementById(\"aprLabel\");\n                var errorMessage = document.getElementById(\"errorMessage\");\n\n                var amountValue = parseFloat(loanAmountInput.value);\n                var termValue = parseInt(loanTermInput.value);\n\n                \/\/ Validation\n                if (provinceSelect.value === \"\" || isNaN(amountValue) || isNaN(termValue)) {\n                    errorMessage.textContent = \"Please select a province.\";\n                    return;\n                }\n\n                if (amountValue < 50 || amountValue > 1500) {\n                    errorMessage.textContent = \"Please enter a loan amount between $50 and $1500.\";\n                    return;\n                }\n                \n                if (termValue < 5 || termValue > 62) {\n                    errorMessage.textContent = \"Please enter a term between 5 and 62 days.\";\n                    return;\n                }\n\n                errorMessage.textContent = \"\"; \n\n                var feePer100 = parseFloat(provinceSelect.options[provinceSelect.selectedIndex].getAttribute(\"data-fee\"));\n                var loanAmount = amountValue;\n\n                \/\/ Math\n                var loanFee = (loanAmount \/ 100) * feePer100;\n                var totalLoanCost = loanAmount + loanFee;\n                var apr = ((loanFee \/ loanAmount) \/ termValue) * 365 * 100;\n\n                \/\/ Output\n                document.getElementById(\"loanFeeResult\").innerHTML = \"$\" + 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<div style=\"padding-top: 10px;\"><\/div><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 apply and your next payday).<\/li><\/ol><h3>Alternative to payday loans: KOHO cash advance<\/h3><div class=\"rewards-banner-container\n   rewards--container   \" data-campaign-name=\"koho|cover|may-2026~cafsl\" data-end-soon-date=\"2026-06-23T20:59:59.000Z\" data-niche=\"CAFPL-CAA\" data-rewards-component=\"banner\">\n  <div class=\"rewards-banner\">\n    <div class=\"rewards-banner__top\">\n      <div class=\"rewards-banner__badge\">\n        FINDER REWARDS EXCLUSIVE\n      <\/div>\n    <\/div>\n    <div class=\"rewards-banner__content\">\n      <div class=\"rewards-banner__logo-and-share\">\n                  <div class=\"rewards-banner__logo-wrapper\">\n            <img decoding=\"async\" src=\"https:\/\/www.finder.com\/ca\/svg-image\/rewards-logo-koho\" class=\"rewards-banner__logo\" alt=\"KOHO logo\" loading=\"lazy\">\n          <\/div>\n        \n        <button class=\"rewards-banner__share-btn rewards-banner__share-btn--mobile\" type=\"button\" disabled aria-label=\"Share deal link\" data-share-url=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-promotion-may-june-2026\">\n          <span class=\"rewards-banner__share-text\">Share<\/span>\n          <span class=\"rewards-banner__share-success\" style=\"display: none;\">Copied!<\/span>\n        <\/button>\n      <\/div>\n      <div class=\"rewards-banner__main-content\">\n        <div class=\"rewards-banner__text-content\">\n          <div class=\"rewards-banner__badges\">\n                                    <div class=\"rewards-banner__ends-soon\">\n              <svg class=\"luna-icon rewards-banner__ends-soon-icon\" style=\"--fill: var(--color-foreground-main)\">\n                <use href=\"#lightning\"><\/use>\n              <\/svg>\n              ENDS SOON\n            <\/div>\n                      <\/div>\n          <div class=\"rewards-banner__title-and-copy\">\n            <div class=\"rewards-banner__title\">\n                              Get <span class=\"rewards-banner__title-highlight\">$75<\/span> from Finder\n                          <\/div>\n            <div class=\"rewards-banner__copy\">\n        <span class=\"rewards-banner__copy-text\">\n          Become a Finder Member &amp; open and fund a <b>KOHO account<\/b> through Finder to receive a <b>$75 digital Visa card<\/b>. Offer ends June 30, 2026.\n        <\/span>\n              <a href=\"https:\/\/www.finder.com\/ca\/finder-rewards\/finder-koho-promotion-terms-and-conditions-may-2026\" class=\"rewards-banner__terms-link\" target=\"_blank\" rel=\"noopener noreferrer\">\n                Separate T&amp;Cs apply.\n              <\/a>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n      <div class=\"rewards-banner__cta-wrapper\">\n                              <link rel=\"preload\" href=\"https:\/\/www.finder.com\/ca\/svg-image\/rewards-logo-koho\" as=\"image\" type=\"image\/svg+xml\">\n     <script>window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"koho|cover|may-2026~cafsl\"] = {\"startDate\":\"2026-05-01T08:00:00.000Z\",\"endDate\":\"2026-06-30T20:59:59.000Z\",\"showVisaLogo\":true,\"minimalUx\":true,\"countryCode\":\"CA\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $75 from Finder\",\"titleHighlight\":\"$75\",\"copyText\":\"Become a Finder Member \\u0026 open and fund a \\u003Cb\\u003EKOHO account\\u003C\\\/b\\u003E through Finder to receive a \\u003Cb\\u003E$75 digital Visa card\\u003C\\\/b\\u003E. Offer ends June 30, 2026.\",\"termsText\":\"Separate T\\u0026Cs apply.\",\"ctaText\":\"GET DEAL\",\"iconUrl\":\"https:\\\/\\\/www.finder.com.au\\\/parent-theme\\\/members\\\/prod\\\/images\\\/rewards-icon.d44fdf8dde3fe4daca8c6a17d56489ca.svg\",\"nicheText\":\"\",\"mode\":\"modal\",\"metaData\":{\"productId\":\"f256ae15-efed-4744-b404-5007adc7d719\"},\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-koho\",\"nicheCode\":\"CAFPL-CAA\",\"value\":\"75\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/cash-advance-apps\\\/koho-promotion-may-june-2026\",\"validationDate\":\"2026-07-30T17:00:00.000Z\",\"fulfillmentDate\":\"2026-08-14T17:00:00.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-koho-promotion-terms-and-conditions-may-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"},\"modalConfig\":{\"requireName\":true,\"title\":\"Get $75 from Finder\",\"subtitleText\":\"Your Visa card will be delivered here. Your details must match your new KOHO account\",\"items\":[{\"icon\":\"user\",\"text\":\"Become a Finder Member for free in seconds\"},{\"icon\":\"shopping-bag\",\"text\":\"Open and fund a KOHO account within the promotion period\"},{\"icon\":\"confetti\",\"text\":\"Receive your digital Visa card from Finder on or before August 14, 2026\"}],\"heading\":\"Get $75 from Finder\",\"membersHeading\":\"Get $75 from Finder\",\"text\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Become a Finder Member for free in seconds\\n* Open and fund a \\u003Cb\\u003EKOHO account\\u003C\\\/b\\u003E within the promotion period\\n* Receive your digital Visa card from Finder on or before August 14, 2026\",\"membersText\":\"\\u003Cb\\u003EHow it works\\u003C\\\/b\\u003E\\n* Open and fund a \\u003Cb\\u003EKOHO account\\u003C\\\/b\\u003E within the promotion period\\n* Receive your digital Visa card from Finder on or before August 14, 2026\",\"emailCaption\":\"Your Visa card will be delivered here. Your details must match your new Koho account\",\"continueText\":\"GET $75 REWARD\",\"abortText\":\"SKIP REWARD, CONTINUE TO KOHO\",\"copyText\":\"Ends on June 30, 2026\",\"termsText\":\"T\\u0026Cs apply\",\"logoUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/svg-image\\\/rewards-logo-koho\",\"nicheCode\":\"CAFPL-CAA\",\"value\":\"75\",\"faqUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/cash-advance-apps\\\/koho-promotion-may-june-2026\",\"validationDate\":\"2026-07-30T17:00:00.000Z\",\"fulfillmentDate\":\"2026-08-14T17:00:00.000Z\",\"termsAndConditionsUrl\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/finder-rewards\\\/finder-koho-promotion-terms-and-conditions-may-2026\",\"isAlwaysOn\":false,\"validationDaysAfterEntry\":null,\"fulfillmentDaysAfterEntry\":null,\"referAFriendValue\":\"25\"}};<\/script>\n          <a type=\"button\" class=\"rewards-banner__cta rewards--cta rewards--element-container\" data-product-id=\"f256ae15-efed-4744-b404-5007adc7d719\" data-product-name=\"KOHO Cover\" data-offer-id=\"24890\" data-provider-name=\"KOHO\" data-provider-id=\"e32c50f7-c28d-4e2e-b914-e27d6a80ac43\" data-rewards-campaign-name=\"koho|cover|may-2026~cafsl\" data-redirect-url=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/koho-cover-ca-overdraft-protection-secure.html?nb=1&amp;src_country=ca\">\n            GET DEAL\n          <\/a>\n                <button class=\"rewards-banner__share-btn rewards-banner__share-btn--desktop\" type=\"button\" disabled aria-label=\"Share deal link\" data-share-url=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-promotion-may-june-2026\">\n          <span class=\"rewards-banner__share-text\">Share<\/span>\n          <span class=\"rewards-banner__share-success\" style=\"display: none;\">Copied!<\/span>\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\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":{"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","footnotes":""},"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 (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? 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