⚠️ 发薪日贷款成本计算器Payday Loan Calculator
输入借款金额、手续费和借款天数，计算发薪日贷款（短期小额贷款）的真实年化利率 APR，以及多次展期后的总费用，看清高息短贷的真实成本。Enter the amount borrowed, the fee and the loan length in days to see the true APR of a payday loan and the total cost if it is rolled over several times.
使用说明与常见问题How-to & FAQ
「发薪日贷款成本计算器」是什么？What is the Payday Loan Calculator tool?
输入借款金额、手续费和借款天数，计算发薪日贷款（短期小额贷款）的真实年化利率 APR，以及多次展期后的总费用，看清高息短贷的真实成本。Enter the amount borrowed, the fee and the loan length in days to see the true APR of a payday loan and the total cost if it is rolled over several times.
如何使用「发薪日贷款成本计算器」？How do I use the Payday Loan Calculator tool?
在「发薪日贷款成本计算器」中，填写「借款金额」、「手续费（每期，可选：也可填下一项）」、「或每 100 元手续费（可选，填了则优先使用）」、「借款天数」、「展期次数」等参数，结果会随输入实时计算并显示在下方。In the Payday Loan Calculator: Fill in "Amount borrowed", "Fee per period (optional if fee per $100 is given)", "Or fee per $100 (optional, used first if given)", "Loan term (days)", "Rollovers"; results are recalculated instantly as you type.
APR 怎么算？How is APR calculated?
APR = 手续费 ÷ 借款金额 × (365 ÷ 借款天数) × 100%。例如借 400 元 14 天收 60 元：60 ÷ 400 × 365 ÷ 14 ≈ 391%。这是美国《诚实借贷法》要求披露的单利年化口径。APR = fee ÷ amount × (365 ÷ days) × 100%. Borrowing $400 for 14 days for a $60 fee: 60 ÷ 400 × 365 ÷ 14 ≈ 391% — the simple annualised rate US Truth in Lending disclosures use.
展期为什么这么贵？Why are rollovers so costly?
展期时通常只付手续费、本金不变，每展期一次就再付一次手续费；4 次展期后费用可能超过借款本身的一半甚至更多。可考虑信用社小额贷款、工资预支或与债权人协商分期。Rolling over usually means paying only the fee while the principal stays, so each rollover adds another fee; after a few rollovers the fees can exceed half the loan. Consider credit-union small loans, pay advances or a payment plan with creditors.
计算结果可以作为最终依据吗？Can I rely on the result?
「发薪日贷款成本计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Payday Loan Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「发薪日贷款成本计算器」免费吗？需要注册吗？Is the Payday Loan Calculator free? Do I need an account?
「发薪日贷款成本计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Payday Loan Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.