{"id":315,"date":"2018-11-22T10:10:26","date_gmt":"2018-11-22T10:10:26","guid":{"rendered":"https:\/\/www.cashamericatoday.com\/blog\/?p=315"},"modified":"2026-04-16T12:04:26","modified_gmt":"2026-04-16T12:04:26","slug":"why-payday-loans-have-high-interest-rates","status":"publish","type":"post","link":"https:\/\/www.cashamericatoday.com\/blog\/why-payday-loans-have-high-interest-rates\/","title":{"rendered":"Why Do Payday Loans Have High Interest Rates?"},"content":{"rendered":"\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h2 class=\"wp-block-heading\">Are Payday Loans Really Costly?<\/h2>\n\n\n\n<p>Although payday loans are the most popular short-term emergency cash loans in the US, some people consider them to be costly. Are they really so? First of all, we have to understand which factors make a loan costly or less expensive. Basically, interest rate and fees are taken into account in order to decide that. Combined, it is called APR (annual percentage rate). The average APR rate of these payday advances is 400%. Which might look a lot, but one has to remember that it is calculated annually. For example, for $100 principal, one has to pay $400 APR per year. That means, per day the cost would be <strong>400\/365= $1.1.<\/strong> It does not look huge, does it?<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.cashamericatoday.com\/blog\/wp-content\/uploads\/2024\/03\/Why-Do-Payday-Loans-Have-High-Interest-Rates.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"626\" height=\"417\" src=\"https:\/\/www.cashamericatoday.com\/blog\/wp-content\/uploads\/2024\/03\/Why-Do-Payday-Loans-Have-High-Interest-Rates.jpg\" alt=\"Why Do Payday Loans Have High Interest Rates\" class=\"wp-image-1804\" srcset=\"https:\/\/www.cashamericatoday.com\/blog\/wp-content\/uploads\/2024\/03\/Why-Do-Payday-Loans-Have-High-Interest-Rates.jpg 626w, https:\/\/www.cashamericatoday.com\/blog\/wp-content\/uploads\/2024\/03\/Why-Do-Payday-Loans-Have-High-Interest-Rates-300x200.jpg 300w\" sizes=\"auto, (max-width: 626px) 100vw, 626px\" \/><\/a><\/figure>\n<\/div>\n<\/div>\n\n\n\n<p>Payroll loans are designed to inject cash into your pocket if there is a sudden unavoidable need. A medical emergency or paying a bill cannot be put on hold. Only then, it is advisable to take out a payday loan. Availing such a debt gives access to a maximum amount of $1,000 with a due that is same as your salary day. That means the terms of a payday loan could be a month, 2 weeks or even less. Sometimes you need a cash advance one week before the paycheck day- that won\u2019t cost you much, anyway. However, if you depend on these debts for long terms, it might hurt your credit rating.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Why Do Payday Loans Have High Interest Rates?<\/h3>\n\n\n\n<p>As we just saw, due to the short-term nature of payday loans, the repayment cost is not too much. However, the APR rate is still 400%. And many borrowers ask if that is too high? If so, why is it so?<br>Firstly, it goes without saying that \u201cconvenience\u201d costs money, and payday loans give immediate relief from cash crisis. That also without any credit check and within one day! No other personal loan \u2013both from traditional as well as alternative lenders- can be processed that fast and get approved. Similarly, many types of loans and different lenders do not fund people with bad, poor and no credit histories. Apart from that, many lenders have the provision that allows you to return your principal amount in 3 days of approval without any extra charge. If we take that time away, the term becomes even shorter. Therefore, only an APR rate of 400% can help the lender maintain its service and make a little profit.<br>Lenders such as&nbsp;<a href=\"https:\/\/www.cashamericatoday.com\/\">CashAmericaToday<\/a>, however, offer even better rates to the regular customers that make the payment on due. Therefore, you could apply for a&nbsp;<a href=\"https:\/\/www.cashamericatoday.com\/online-payday-loans\">payday loan<\/a>&nbsp;and score better APR by being a responsible borrower.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are Payday Loans Really Costly? Although payday loans are the most popular short-term emergency cash loans in the US, some people consider them to be costly. Are they really so? First of all, we have to understand which factors make a loan costly or less expensive. Basically, interest rate and fees are taken into account&#8230;<\/p>\n","protected":false},"author":3,"featured_media":1804,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_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,"_kad_post_classname":"","footnotes":""},"categories":[81],"tags":[121,122],"class_list":["post-315","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-payday-loans","tag-high-interest-payday-loan-rates","tag-high-interest-rates-payday-loans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Why Do Payday Loans Have High Interest Rates Normally?<\/title>\r\n<meta name=\"description\" content=\"Payday loans are the most popular emergency loans in America. Such short-term debts have an APR of 400%. Do you know why payday loans have high interest rates?\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.cashamericatoday.com\/blog\/why-payday-loans-have-high-interest-rates\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Why Do Payday Loans Have High Interest Rates Normally?\" \/>\r\n<meta property=\"og:description\" content=\"Payday loans are the most popular emergency loans in America. Such short-term debts have an APR of 400%. Do you know why payday loans have high interest rates?\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/www.cashamericatoday.com\/blog\/why-payday-loans-have-high-interest-rates\/\" \/>\r\n<meta property=\"og:site_name\" content=\"Useful Tips on Personal Finance | CashAmericaToday\" \/>\r\n<meta property=\"article:published_time\" content=\"2018-11-22T10:10:26+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2026-04-16T12:04:26+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/www.cashamericatoday.com\/blog\/wp-content\/uploads\/2024\/03\/Why-Do-Payday-Loans-Have-High-Interest-Rates.jpg\" \/>\r\n\t<meta property=\"og:image:width\" content=\"626\" \/>\r\n\t<meta property=\"og:image:height\" content=\"417\" \/>\r\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\r\n<meta name=\"author\" content=\"David\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:creator\" content=\"@CashAmerica2day\" \/>\r\n<meta name=\"twitter:site\" content=\"@CashAmerica2day\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"David\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/why-payday-loans-have-high-interest-rates\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/why-payday-loans-have-high-interest-rates\\\/\"},\"author\":{\"name\":\"David\",\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/#\\\/schema\\\/person\\\/2a1d44171b210ae872b88d7dc9d11677\"},\"headline\":\"Why Do Payday Loans Have High Interest Rates?\",\"datePublished\":\"2018-11-22T10:10:26+00:00\",\"dateModified\":\"2026-04-16T12:04:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/why-payday-loans-have-high-interest-rates\\\/\"},\"wordCount\":445,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/why-payday-loans-have-high-interest-rates\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/Why-Do-Payday-Loans-Have-High-Interest-Rates.jpg\",\"keywords\":[\"high interest payday loan rates\",\"high interest rates payday loans\"],\"articleSection\":[\"Payday Loans\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/why-payday-loans-have-high-interest-rates\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/why-payday-loans-have-high-interest-rates\\\/\",\"url\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/why-payday-loans-have-high-interest-rates\\\/\",\"name\":\"Why Do Payday Loans Have High Interest Rates Normally?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/why-payday-loans-have-high-interest-rates\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/why-payday-loans-have-high-interest-rates\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cashamericatoday.com\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/Why-Do-Payday-Loans-Have-High-Interest-Rates.jpg\",\"datePublished\":\"2018-11-22T10:10:26+00:00\",\"dateModified\":\"2026-04-16T12:04:26+00:00\",\"description\":\"Payday loans are the most popular emergency loans in America. 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