# No-Cost Payday Loan Tools: Pricing, Qualification & Fraud Detection | SB Loan

> Six free interactive resources: a cost estimator, rollover simulator, affordability test, state qualification checker, scam detector and alternative loan finder. No sign-up required.

Источник: https://sbloan.net/tools/

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# 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 CalculatorEnter loan amount + your state. Returns total cost, APR, fees, and finance charge — using the rates your state actually allows.](/tools/cost-calculator/)

[Rollover Cost SimulatorMove a slider for each renewal and watch the fees stack up against the amount you originally borrowed. Shows the debt-trap math.](/tools/rollover-simulator/)

## Decision tools

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

[Affordability CheckerThree-question check that returns a red / yellow / green verdict on whether you can realistically repay on time.](/tools/affordability-checker/)

[Payday vs. AlternativesSix common ways to cover a short-term shortfall, ranked side-by-side by true dollar cost and speed.](/tools/payday-vs-alternatives/)

## Eligibility & safety

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

[State Eligibility CheckerType your ZIP code, see what loan products are legally available in your state, with caps, fees and license requirements.](/tools/state-eligibility-checker/)

[Scam SpotterPaste a lender's name or URL. We check it against state license databases and flag common fake-lender red flags.](/tools/scam-spotter/)

## More from SB Loan

Interested in more context, beyond just the calculators?

[Learn CenterPlain-language explainers and in-depth guides about short-term borrowing.](/learn/)

[Borrower StoriesThree real-world case studies of short-term borrowing decisions.](/stories/)