Cash Advance Calculator: the Cost in Dollars First
Same product as a payday loan, same pricing: amount, fee, term, and the numbers in between.
A cash advance is a payday loan under a second name, and it prices the same way: a flat fee per $100 borrowed, settled in one payment on the next payday. Enter the amount, your state’s fee, and the term; the calculator returns the dollar cost and the annualized rate behind it.
The defaults show the middle of the market: $300 at a 15% fee over two weeks, which is a $45 fee and a $345 total. State rules push that fee from roughly $10 to $30 per $100, and thirteen states license no product at all.
App-based advances change the pricing model, not the economics: Chime, Cash App, Varo and similar products charge tips or subscriptions instead of per-$100 fees and cap far below storefront limits. When the need is small and your payroll qualifies, the app route is usually cheaper; our guides on Chime and Cash App cover the mechanics.
In California the fee applies to the check itself: a $300 check costs $45 and delivers $255 net. See your state page.
When the dollar cost fits your budget, the request form returns offers in minutes. For the slower, cheaper routes, start at the alternatives ranking.
Frequently asked questions
Is a cash advance the same as a payday loan?
How is this different from an app advance?
What does a $300 cash advance cost?
Can I repay early?
Reviewed by Ray Drummond, Reviewer, credit counseling background. Every fee, cap, and formula on this page was checked against the published state rules.
Last reviewed: 2026-10-06