$100 received
$15 charge · 14 days
$115 total duePayday loans & cash advance
Know the cost. Plan your repayment with LendingClub.
Compare payday loan and cash advance costs, the full repayment and what would remain for essentials. Use the planning tools first, then continue to the partner form if you choose to request.
Independent planning tools. Loan requests use the partner form; the provider handles credit decisions.
BORROWING, EXPLAINED
A clearer next step in 30 seconds.
See the cost, check repayment and review the provider’s terms before you decide.
AI narration with music and on-screen examples. The cost example is illustrative, not a loan offer.
Start loan requestRead the video transcript
Need cash? Let's look at the whole picture.
Three hundred dollars, forty-five in fees. Three forty-five due in fourteen days.
Check the date against payday. Will repayment leave enough for essentials?
If you choose to request, use the partner form. Read its disclosures.
Then check the A P R, fees, total, and due date. LendingClub isn't a lender.
On-screen example: $300 received + $45 fee = $345 due in 14 days. Illustrative APR: approximately 391.07%. Actual costs depend on the provider and state.
Choose the question you need to answer
Work out the numbers first
Compare payday loan costs with LendingClub
Change the amount, fee and term to see the full payment. Then test that payment against your budget. These are planning examples, not loan offers.
$300 received
$45 charge · 14 days
$345 total due$500 received
$75 charge · 14 days
$575 total dueIllustrative assumptions: a single payment after 14 days and a fee of $15 per $100 received. Each example has a simple annualized cost of 391.07%. This does not mean you pay 391% in 14 days. Amounts, permitted charges and availability depend on state law and the provider. 1.
Calculation: total due = cash received + charge. Simple annualized cost = charge ÷ cash received × 365 ÷ days × 100. This model assumes one advance and one repayment, with the charge paid at repayment. It excludes renewals, late fees and other charges; it does not replace a provider’s APR disclosure.
Worked budget: $1,200 income − $900 essentials − $345 repayment = a $45 shortfall. Include rent, food, transport, other debt payments and a buffer in essential expenses. A positive result is not an affordability assessment or an approval.
If the payment leaves a shortfall
Before taking on a payment you cannot cover, compare the cost of a bill-payment arrangement, an employer advance or a credit-union small-dollar loan. Availability and terms differ.
Explore repayment planning · Check state considerations · Compare monthly-payment borrowingModel paymentsSee monthly and total cost
Compare structuresPersonal, payday and installment
State checksSeparate rules from live availability
Provider transparencyKnow who makes the actual offer
Borrowing intelligence
How LendingClub helps you compare before you apply.
LendingClub turns borrowing terms into a decision you can inspect: payment, cash received, total repayment, timing and state considerations.
Plan here
- Model payment and total repayment
- See fees and estimated cash proceeds
- Compare borrowing structures
- Check state considerations
Continue with a provider
- Verify the legal company name
- Review the actual APR, fees and dates
- Confirm inquiry and funding terms
- Sign only inside the provider flow
Loans for real life
What are you looking for?
Different needs. A smarter way forward. Explore your options below.
Personal Loan
Model the full cost
Larger expenses, debt consolidation and planned borrowing with scheduled payments.
Explore personal loans →
Payday Loan
Short-term option
Understand the complete repayment amount and due date before moving forward.
See payday options →
Installment Loan
Flexible schedule
Compare payment frequency, first due date and total repayment.
Learn more →Cash Advance
Know the subtype
Different cash-advance arrangements can have very different charges and recovery methods.
Learn more →Reach further
Personal Loans
Plan for a larger expense by comparing the payment, term, fees and cash received. Use your own terms before reviewing a provider’s offer.
- Plan amounts up to $35,000
- See payment and total repayment
- Compare proceeds after fees
When you need a bridge
Payday Loans
A short-term repayment decision for an unexpected gap. See the complete amount due — not only the cash received.
- Full repayment amount
- Dollar charge and annualized context
- State and provider verification
More ways to move forward
Additional structures for different borrowing needs.
Installment Loans
Scheduled payments over time
Cash Advance
Understand the actual arrangement
Compare your loan options with LendingClub
See how different repayment structures change the decision.
View comparison guide →How it works
Explore → verify → compare → move forward with the actual provider.
See the full process →1
Explore
Use tools without sensitive data.
2
Verify
Check lender, state and terms.
3
Compare
Payment, proceeds and total cost.
4
Decide
Continue only on the provider flow.
Frequently asked questions
Get quick answers to common questions.
Personal-loan planning tools support amounts up to $35,000. Actual available amounts depend on the provider, product and state.
No. The planning tools on LendingClub do not request a credit report. An actual provider may have its own inquiry process.
Timing can include verification, decision, agreement, provider release and your bank’s posting time. Check the actual provider disclosure.
Fees vary by provider and product. Compare the APR, dollar charges, net proceeds and total repayment together.
LendingClub.biz calculators work directly in your browser without an account or sign-in. This website provides planning tools; account balances, loan payments and existing-loan access belong in the actual provider’s verified account channels.
Compare the cost and repayment first, then open our partner loan request form. The receiving provider handles the loan application, eligibility checks and any offer. Review the form’s privacy and consent terms before submitting information. Check an application’s status with the provider that received it.
Our website support can help with LendingClub.biz content, calculator questions and corrections. For a loan balance, payment or application decision, use the actual provider’s verified support channels. Keep account passwords, bank credentials and sensitive documents out of website-support messages.
Open LendingClub.biz in your mobile browser to use the calculators and guides; an app download is unnecessary for these tools. Any provider’s mobile app, account access and payment functions follow that provider’s own terms.
Use LendingClub comparisons to review fees, cash received, total repayment and payment dates alongside other information. Read loan reviews for the exact provider and product, check their dates and any compensation disclosures, and verify important terms against the written offer. A review or star rating does not establish approval, availability or affordability.
Your next step starts here.
Compare first. Continue only after the terms make sense.Start loan requestFurther checks for this decision
Identify whether an online application belongs to a lender or an intermediary, who receives personal information and which provider handles any offer.2
Before short-term borrowing, compare the written cost and repayment terms, consider alternatives and understand what an extension changes.3
Some federal credit unions offer Payday Alternative Loans. Membership, eligibility and availability still need checking with the specific credit union.4
Sources & further reading
Numbered references support the guidance or checks indicated above. They are separate from this website’s own policies, examples and provider decisions.