Cash Advance App True APR
Cash Advance APR Calculator — True Cost of App Fees
What this calculator does
Cash advance apps frame fees as tips. This calculator converts that tip into an annual percentage rate so you can compare it to real borrowing costs.
The math, with a worked example
Fee rate = fee ÷ advance amount. APR = fee rate × (365 ÷ days until repayment) × 100. A $9 fee on a $100 advance repaid in 10 days equals a fee rate of 9%. Annualized, that is roughly 328% APR.
Why this matters
A $9 tip on a $100 advance feels like nothing and annualizes to 328%: cash-advance apps price like payday lenders while calling the fee a tip or a fast-funding charge. Days-to-repayment is the multiplier that turns small fees into triple-digit rates.
Methodology and transparency
APR = (fee ÷ advance) × (365 ÷ days until repayment) × 100 — the standard annualization that makes a short-term fee comparable to any other credit price. The repayment window is the assumption to watch: repay in 5 days instead of 10 and the same $9 doubles its APR. Apps also stack subscription fees on top, which belong in the fee input for an honest number. Everything runs in your browser; no data is sent or stored.
Last reviewed: 2026-08-08
Common questions
Are tips the same as fees?
For the math, yes. Any money you pay to borrow is part of the cost.
How does this compare to a credit card cash advance?
Credit card cash advances usually have lower APRs but also charge upfront fees and immediate interest.
Are these apps predatory?
They can be if used repeatedly. The fees look small but add up when annualized.