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Payday loans are expensive. Loan fees are calculated per $100 borrowed, and typically range from $10 to as high as $30 per $100 borrowed. If you are charged $15 per $100 borrowed, a 14-day loan of $400 will cost you $60 in interest. That's an annual percentage rate (APR) of 390%. Think about it-do you really want to pay $60 to borrow $400 for two weeks? And don't forget that your next paycheck won't be $1,000 - it will be $540, because you will have repaid the loan. Getting installment loans for people with bad credit can be especially challenging, but is not impossible. The presence of a good job. Payment terms