Get the fast cash you need by applying for payday loans online. Our application process for online payday loans is simple and easy. You just have to submit this application form by entering all the required information. Once your application is approved, money will be directly transferred into your bank account.

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The rate for the period is forty-four dollars divided by two hundred dollars or 22-percent. The period is 10 days. To figure out the simple annual percentage rate, we need to multiply 22 percent per ten days by the number of ten day periods in a year, which is given by 365 days divided by ten days or 36. Now, we simply take twenty two percent and multiply by 36.

This gives us a simple annual percentage rate of 803 percent. So borrowing two hundred dollars for forty four dollars over ten days has an annual percentage rate of 803 percent. And now you know how to calculate the annual interest rate equivalent on a short term payday loan before you take a payday loan.