Interactive Resources for Payday Loan Decision-Making

Six digital features designed to guide you toward a more informed short-term borrowing decision. No account creation, no credit check — answer a few questions and get your outcome in under one minute.

Cost calculators

View the actual dollar amount you'll pay before borrowing — including APR, charges, and the total expense of a renewal.

Loan Cost Calculator
Enter loan amount + your state. Returns total cost, APR, fees, and finance charge — using the rates your state actually allows.
Rollover Cost Simulator
Move a slider for each renewal and watch the fees stack up against the amount you originally borrowed. Shows the debt-trap math.

Decision tools

Fast recommendations to assist your decision on whether and how to get a loan.

Affordability Checker
Three-question check that returns a red / yellow / green verdict on whether you can realistically repay on time.
Payday vs. Alternatives
Six common ways to cover a short-term shortfall, ranked side-by-side by true dollar cost and speed.

Eligibility & safety

Before submitting an application: verify local lending laws and the legitimacy of your lender.

State Eligibility Checker
Type your ZIP code, see what loan products are legally available in your state, with caps, fees and license requirements.
Scam Spotter
Paste a lender's name or URL. We check it against state license databases and flag common fake-lender red flags.

More from SB Loan

Interested in more context, beyond just the calculators?

Learn Center
Plain-language explainers and in-depth guides about short-term borrowing.
Borrower Stories
Three real-world case studies of short-term borrowing decisions.