Free Payday Loan Tools

Six interactive utilities to help you make a smarter short-term borrowing decision. No sign-up, no application — answer the questions and get a verdict in under a minute.

Cost calculators

Understand the full cost in advance of borrowing — see the total fees, APR, and how the amount grows with a payment extension.

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

Get quick guidance to decide whether a loan is the right step and how to proceed.

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 starting an application: verify your state's lending laws and the lender's legitimacy.

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 Fenix Loans

Interested in learning the details, not just using the calculators?

Learn Center
Plain-language explainers and in-depth guides about short-term borrowing.
Research & Data
Original analysis of payday-loan costs, rollover rates and borrowers.
Borrower Stories
Three real-world case studies of short-term borrowing decisions.