{"id":21200,"date":"2022-11-06T20:12:38","date_gmt":"2022-11-06T19:12:38","guid":{"rendered":"https:\/\/ecreditdaily.com\/?p=9445"},"modified":"2022-11-10T21:17:01","modified_gmt":"2022-11-10T20:17:01","slug":"how-much-would-a-500-payday-loan-cost","status":"publish","type":"post","link":"https:\/\/businessfinancenews.com\/loans\/how-much-would-a-500-payday-loan-cost\/","title":{"rendered":"how much would a $500 payday loan cost"},"content":{"rendered":"<div readability=\"166.67943805875\">\n<p>You can see the complete breakdown below, but a $500 payday loan will cost you $547 within a fortnight, $593 after a month, and $774 after a month.<\/p>\n<h3>Loan Term Paid Interest &#038; Fees<\/h3>\n<ul>\n<li><em>2 Weeks $47 $547<\/em><\/li>\n<li><em>1 Month $93 $593<\/em><\/li>\n<li><em>6 Weeks $139 $639<\/em><\/li>\n<li><em>8 weeks $184 $684<\/em><\/li>\n<li><em>30 days $274 $774<\/em><\/li>\n<li><em>(4) Months $364 $864<\/em><\/li>\n<\/ul>\n<p>People who need emergency cash or a little additional cash before their next paycheck from work frequently use online payday loans from direct lenders (which are usually at the end of the month). The typical loan is for $300 to 0 and is taken out for two to four weeks.<\/p>\n<p>The annual percentage rate (APR) for payday loans often ranges from 300 to 600 percent, depending on the state in which you reside and your individual circumstances, such as your credit history and residency status, which can affect the amount you are charged.<\/p>\n<p>The ability to borrow money quickly for a crisis and receive payment upfront makes this loan type useful even though it is not the lowest option available. Since most lines of credit are automated, they are frequently finished and funded within an hour or the same day as submission.<\/p>\n<p>However, using our example, it is crucial to understand what a payday loan costs because, in addition to being more costly, the more you borrow, the fees also start to mount if you are unable to make your repayments on time.<\/p>\n<h2>The Main Costs<\/h2>\n<p>A $500 payday loan will cost you $546 after two weeks and $592 after four.<\/p>\n<p>Although getting payday and title loans is quick and efficient in times of need, they should never be used on an ongoing basis.<\/p>\n<p>Due to their unsecured nature and frequent need to cover high default rates, payday loans are expensive.<\/p>\n<p>The loan interest is computed as if it lasted a year, even though it typically only lasts a few weeks, which results in a high APR.<\/p>\n<p>If you are unable to make payments on time, you may be subject to further late penalties, increased interest, and a drop in your credit score.<\/p>\n<h2>Is a $500 payday loan overly expensive?<\/h2>\n<p>A $500 payday loan has a higher cost than some other financial products like credit cards or unsecured loans, although they are frequently utilized just temporarily.<\/p>\n<p>A payday loan can be useful to get you through a difficult period if you have an unexpected need, such as auto repair, house maintenance, or the requirement to pay your rent.<\/p>\n<p>Payday loans can become highly expensive and put a serious strain on your finances if you start using many ones, fall behind on payments, or utilize \u201ctop-ups\u201d (also known as rollovers).<\/p>\n<p>Payday loans are useful in some situations, but perhaps you should always plan how you\u2019ll pay them back on time to prevent debt burden or late payments.<\/p>\n<h2>Why Do Payday Loans Cost So Much?<\/h2>\n<p><strong>There are several reasons why payday loans are pricey.<\/strong><\/p>\n<p><strong>They are unsecured,<\/strong> so if you can\u2019t pay back the loan, the lender won\u2019t be able to collect anything or seize your property because you didn\u2019t put up any guarantee or collateral when you applied.<\/p>\n<p>This implies that your eligibility is determined by variables like your income, employment, and credit score.<\/p>\n<p>However, the lender must charge you a little bit more than the ordinary loan since if you default, the lender suffers a loss and is unable to seize your property to recoup their losses.<\/p>\n<p><strong>They have a high probability of default<\/strong> \u2013 The proportion of consumers who are unable to make payments on time or at all for payday loans is high, spanning from 15% to 25% from lender to lender. As a result, it is categorized as \u201cbad debt,\u201d and the lender eventually suffers a loss.<\/p>\n<p>Unfortunately, this necessitates a slight increase in rates to cover the losses of other persons.<\/p>\n<p>Does this imply that loyal clients may end up paying a little bit extra for loans? It\u2019s possible that this is the case, but that\u2019s how the product is designed.<\/p>\n<p><strong>They are short-term \u2013<\/strong> Because this form of funding is intended to be used for a brief period of time, the rates are much higher to accommodate this and ensure that the lender will make a profit.<\/p>\n<p>Since they are taking on a lot of risk by lending you a sizable chunk of money\u2014say, $500 or $1,000\u2014for only two weeks, they must make it profitable by charging you a respectable interest rate.<\/p>\n<p>Another illustration: A home lender or bank may charge modest monthly rates of merely 3 or 5 percent, but the loan term may be 5, 10, or 25 years.<\/p>\n<p>In this case, the overall rate of interest is proportional to the loan\u2019s term.<\/p>\n<h2>Why are payday loans\u2019 APRs so high?<\/h2>\n<p>When compared to credit cards, which have an APR of about 16 percent, payday loans have absurdly high APRs that range from 300 to 600 percent.<\/p>\n<p>However, the main reason the APR is so high is that it treats the loan as if it were a 12-month loan since that is how the APR works\u2014it is an \u201cannual\u201d measurement to make it simple to compare to other lending products.<\/p>\n<p>In reality, it\u2019s equivalent to taking a service that only which will last 2 to 4 weeks and repeatedly compounding it as if it were an annual product, which inflates the price and makes it seem more expensive.<\/p>\n<p>This is not to imply that payday loans are inexpensive\u2014they most certainly are not\u2014but you can compare the cost in various ways, such as by looking at the daily rate of interest or using a repayment plan example spread over a period of two or one months, to get a good notion of the cost.<\/p>\n<h2>What Will Happen if You Cannot Make Repayments?<\/h2>\n<p>Payday loans can become very expensive if you are unable to make your payments on time. The entire balance begins to rise due to late fines and additional interest, and it will also negatively affect your credit rating, making it difficult to obtain financing in the future.<\/p>\n<p>If you haven\u2019t racked up a sizable debt, it\u2019s extremely unlikely that you\u2019ll end yourself in court for unpaid payday loans. However, you should always think of how you\u2019re going to pay off your loan on time to prevent any legal proceedings and additional expenses.<\/p>\n<div class=\"abh_box abh_box_down abh_box_business\">\n<div class=\"abh_tab_content\">\n<section class=\"vcard author abh_about_tab abh_tab\" itemscope itemprop=\"author\" itemtype=\"http:\/\/schema.org\/Person\" readability=\"4.1447368421053\">\n<div class=\"abh_image\" itemscope itemtype=\"http:\/\/schema.org\/ImageObject\"> <noscript><\/noscript> <\/div>\n<div class=\"abh_text\" readability=\"35.921052631579\">\n<p>Jason writes about all financial topics such as loans, debt solutions, and bankruptcy. He is an expert when it comes to subjects like APR, loan fine print, debt collection laws within the United States. With his in-depth\u00a0knowledge of all things financial, he is a great asset to eCreditDailyonline.<\/p>\n<\/div>\n<\/section>\n<section class=\"abh_posts_tab abh_tab\">\n<div class=\"abh_image\"><noscript><\/noscript><\/div>\n<div class=\"abh_text\" readability=\"11.73786407767\">\n<div class=\"abh_name\" readability=\"5.7435897435897\">Latest posts by Jason Rathman <span class=\"abh_allposts\">(see all)<\/span><\/div>\n<\/div>\n<\/section>\n<\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>You can see the complete breakdown below, but a $500 payday loan will cost you $547 within a fortnight, $593 after a month, and $774 after a month. Loan Term Paid Interest &#038; Fees 2 Weeks $47 $547 1 Month $93 $593 6 Weeks $139 $639 8 weeks $184 $684 30 days $274 $774 (4)<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[4],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>how much would a $500 payday loan cost - Business Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessfinancenews.com\/loans\/how-much-would-a-500-payday-loan-cost\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"how much would a $500 payday loan cost - Business Finance\" \/>\n<meta property=\"og:description\" content=\"You can see the complete breakdown below, but a $500 payday loan will cost you $547 within a fortnight, $593 after a month, and $774 after a month. 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I am now living in the United States. I have a house in Ontario, but I actually never go.\u00a0 I wrote some books about sovereign debt, and mortgage loans. I am currently retired and dedicate most of my time to fishing. There were many topics in personal finances that have currently changed and other that I have never published before. So now in Business Finance, I found the opportunity to do so. Please let me know in the comments section which are your thoughts. Thank you and have a happy reading.\",\"sameAs\":[\"https:\/\/businessfinancenews.com\"],\"url\":\"https:\/\/businessfinancenews.com\/author\/laidler\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"how much would a $500 payday loan cost - Business Finance","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessfinancenews.com\/loans\/how-much-would-a-500-payday-loan-cost\/","og_locale":"en_US","og_type":"article","og_title":"how much would a $500 payday loan cost - Business Finance","og_description":"You can see the complete breakdown below, but a $500 payday loan will cost you $547 within a fortnight, $593 after a month, and $774 after a month. Loan Term Paid Interest & Fees 2 Weeks $47 $547 1 Month $93 $593 6 Weeks $139 $639 8 weeks $184 $684 30 days $274 $774 (4)","og_url":"https:\/\/businessfinancenews.com\/loans\/how-much-would-a-500-payday-loan-cost\/","og_site_name":"Business Finance","article_published_time":"2022-11-06T19:12:38+00:00","article_modified_time":"2022-11-10T20:17:01+00:00","author":"D Laidler","twitter_card":"summary_large_image","twitter_misc":{"Written by":"D Laidler","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/businessfinancenews.com\/loans\/how-much-would-a-500-payday-loan-cost\/#article","isPartOf":{"@id":"https:\/\/businessfinancenews.com\/loans\/how-much-would-a-500-payday-loan-cost\/"},"author":{"name":"D Laidler","@id":"https:\/\/businessfinancenews.com\/#\/schema\/person\/3a086a2d2714be69553855d7b95f8c8f"},"headline":"how much would a $500 payday loan cost","datePublished":"2022-11-06T19:12:38+00:00","dateModified":"2022-11-10T20:17:01+00:00","mainEntityOfPage":{"@id":"https:\/\/businessfinancenews.com\/loans\/how-much-would-a-500-payday-loan-cost\/"},"wordCount":1089,"commentCount":0,"publisher":{"@id":"https:\/\/businessfinancenews.com\/#organization"},"articleSection":["Personal Loans"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/businessfinancenews.com\/loans\/how-much-would-a-500-payday-loan-cost\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/businessfinancenews.com\/loans\/how-much-would-a-500-payday-loan-cost\/","url":"https:\/\/businessfinancenews.com\/loans\/how-much-would-a-500-payday-loan-cost\/","name":"how much would a $500 payday loan cost - Business Finance","isPartOf":{"@id":"https:\/\/businessfinancenews.com\/#website"},"datePublished":"2022-11-06T19:12:38+00:00","dateModified":"2022-11-10T20:17:01+00:00","breadcrumb":{"@id":"https:\/\/businessfinancenews.com\/loans\/how-much-would-a-500-payday-loan-cost\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/businessfinancenews.com\/loans\/how-much-would-a-500-payday-loan-cost\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/businessfinancenews.com\/loans\/how-much-would-a-500-payday-loan-cost\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/businessfinancenews.com\/"},{"@type":"ListItem","position":2,"name":"Personal Loans","item":"https:\/\/businessfinancenews.com\/category\/loans\/"},{"@type":"ListItem","position":3,"name":"how much would a $500 payday loan cost"}]},{"@type":"WebSite","@id":"https:\/\/businessfinancenews.com\/#website","url":"https:\/\/businessfinancenews.com\/","name":"Business Finance","description":"","publisher":{"@id":"https:\/\/businessfinancenews.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/businessfinancenews.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/businessfinancenews.com\/#organization","name":"Business Finance","url":"https:\/\/businessfinancenews.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/businessfinancenews.com\/#\/schema\/logo\/image\/","url":"https:\/\/businessfinancenews.com\/wp-content\/uploads\/2022\/09\/2022-09-22_03-50-50.webp","contentUrl":"https:\/\/businessfinancenews.com\/wp-content\/uploads\/2022\/09\/2022-09-22_03-50-50.webp","width":451,"height":59,"caption":"Business Finance"},"image":{"@id":"https:\/\/businessfinancenews.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/businessfinancenews.com\/#\/schema\/person\/3a086a2d2714be69553855d7b95f8c8f","name":"D Laidler","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/businessfinancenews.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/234034b128a4aaaba0ab0f466899423a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/234034b128a4aaaba0ab0f466899423a?s=96&d=mm&r=g","caption":"D Laidler"},"description":"I am David, economist, originally from Britain, and studied in Germany and Canada. I am now living in the United States. I have a house in Ontario, but I actually never go.\u00a0 I wrote some books about sovereign debt, and mortgage loans. I am currently retired and dedicate most of my time to fishing. There were many topics in personal finances that have currently changed and other that I have never published before. So now in Business Finance, I found the opportunity to do so. Please let me know in the comments section which are your thoughts. Thank you and have a happy reading.","sameAs":["https:\/\/businessfinancenews.com"],"url":"https:\/\/businessfinancenews.com\/author\/laidler\/"}]}},"taxonomy_info":{"category":[{"value":4,"label":"Personal Loans"}]},"featured_image_src_large":false,"author_info":{"display_name":"D Laidler","author_link":"https:\/\/businessfinancenews.com\/author\/laidler\/"},"comment_info":0,"category_info":[{"term_id":4,"name":"Personal Loans","slug":"loans","term_group":0,"term_taxonomy_id":4,"taxonomy":"category","description":"","parent":0,"count":508,"filter":"raw","cat_ID":4,"category_count":508,"category_description":"","cat_name":"Personal Loans","category_nicename":"loans","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts\/21200"}],"collection":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/comments?post=21200"}],"version-history":[{"count":1,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts\/21200\/revisions"}],"predecessor-version":[{"id":21638,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts\/21200\/revisions\/21638"}],"wp:attachment":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/media?parent=21200"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/categories?post=21200"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/tags?post=21200"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}