# Payday & Cash advance Guide — Loan Calculator & Payday Loans

> Guide to understanding and managing payday loans and cash advances. (iPhone/iPad app by yoav fael.)

- Source: https://appshunter.io/ios/app/payday-and-cash-advance-guide/id1671499172 (this page in markdown: same URL + `.md`)
- Developer: [yoav fael](https://appshunter.io/developer/977976268)
- Category: Finance, Education
- Price: Free
- Rating: 2.80/5 from 14 App Store ratings · 4 written reviews indexed
- Age rating: 4+
- Requires: iOS 11.1 · 28 MB
- Languages: American English
- Released: 2023-02-23
- Data updated: 2026-08-20
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/payday-and-cash-advance-guide/id1671499172/reviews.md

## What is Payday & Cash advance Guide?

This guide will help you understand payday loans (payday advance / cash advance loans) and get the most out of your situation. 
To get the best results you will:
1. Use our loan calculator to simulate your loan.
2. Get the full payday advance loan guide with short easy to read lesson.
3. Tap into our live news feed.
4. Use the lesson scheduling system to stay focused on getting all the knowledge you need.
5. Use the in-app course notebook.
6. Get more tools to achieve the best results.

Payday loans are immediate loans for large amounts of money. They may be found at high-street retailers and on the internet. Payday loans are easy to get, but the interest rates are hefty. The funds are sent straight into the borrower’s bank account, where they can be spent as needed before being repaid with interest in weeks rather than months or years. Consider your other choices before borrowing from a payday lender if you have short-term money difficulty.
Before applying for a payday loan, search around and evaluate the interest rates and fees. Make sure you understand what will happen if you are unable to repay the loan.
This course explains what the borrower—you—should do before applying for a payday loan, how you repay the loan, and what happens if you are unable to pay.

Should I Get a Payday Loan? 
Your financial situation will dictate whether or not you should apply for a payday loan. If you have an unexpected bill a few days before your next paycheck and can find a payday loan that does not charge you a high-interest rate while repaying, it might be a realistic alternative.

Before You Apply for a Payday Loan
Make sure to look around for the greatest price. Online payday lenders must post their offers on at least one price comparison website so that you may compare them to others. The Financial Conduct Authority must regulate the pricing comparison service.

Applying for a Payday Loan

If you do decide to apply for a payday loan, it’s important to consider 3 main things: Be certain that you just borrow what you require, take the time to look around, Choose your lender wisely.

Advantages of Payday Loans
The most significant benefit of payday loans is the quick and easy access they provide. You may apply for a payday loan instantly online. The money will be in your bank account within minutes after being accepted for a loan.

Risks of Payday Loans
Although payday loans provide quick cash, they are not without risks.
We’ll talk about Excessive rollover fees, Risk of default, Steep borrowing costs

Payday Loans When You Have Bad Credit
Many payday lenders do not conduct any kind of credit check. They perceive that most of the customers looking for payday loans don’t have great credit. Banks make up for the expanded credit risk by charging higher financing costs and interest rates.

Paying Back a Payday Loan
Typically, you’ll be allowed up to a month to repay the loan plus interest. The most frequent method of repaying a payday loan is via a bank debit card. When you accept the loan, you agree to allow the lender to withdraw funds from your bank account. This is referred to as a continuous payment authority (CPA).

How to Cancel a Regular Payment
We will talk about Recurring payment, Standing order, Direct Debit

How to Avoid the Payday Loan Trap
On the off chance that you are experiencing issues reimbursing a payday loan, your bank might offer you an extension known as a deferral or rollover – or even another loan. However, your lender can only offer you a maximum of two rollovers.

Don’t Be Fooled by Loan Advertisements
Payday lenders promote their loans as a solution to any cash flow problem you can think of.

Alternatives to Payday Loans
You might not be able to secure a standard bank loan to fulfill your short-term financial needs, but some of these alternatives to payday loans may be more effective.

Loan Calculator
Free loan calculator for your use, use to simulate possible loans.

## Key features

- Loan calculator
- Payday advance loan guide
- Live news feed
- Lesson scheduling system
- In-app course notebook
- Additional tools

## Recent user reviews (4 of 4)

All indexed reviews: https://appshunter.io/ios/app/payday-and-cash-advance-guide/id1671499172/reviews.md

### 1/5 — Tk

*2025-04-17*

This company is just sorry they need to take this app off because you would definitely be sorry after applying this app to your phone

**Developer response:** Hi, not sure we understand.
Can we help in any way? Please let us know.

### 5/5 — Great app

*2025-01-29*

In my situtation with this app, now i can get the best loan. With calculator and useful lessons i will make some new road to find my goal!

### 5/5 — Thanks

*2025-01-18*

This app is an excellent guide for understanding payday loans. It provides comprehensive lessons, a loan calculator, and practical tools to make informed decisions. The detailed insights on risks, repayment, and alternatives are particularly helpful. Highly recommended for anyone exploring payday loans!

**Developer response:** Thanks for your feedback and the kind words! 
We're happy that you got so much value.

### 5/5 — Thank you!

*2025-01-01*

I was struggling so much to take care of my urgent student loans and this app has been able to help me so much in that most terrifying process. I learned so much about pay day loans through this app!

## Frequently asked questions about Payday & Cash advance Guide

### What is Payday & Cash advance Guide?

Payday & Cash advance Guide is a free application designed to help users understand payday loans and cash advances. It includes a loan calculator, educational lessons, and news updates to assist users in managing their financial situations.

### How does the loan calculator in Payday & Cash advance Guide work?

The loan calculator allows you to simulate your payday loan to understand potential costs and repayment scenarios. This feature helps you get the best results by visualizing your loan terms before you commit.

### What kind of educational content does Payday & Cash advance Guide offer?

The app provides a comprehensive guide with short, easy-to-read lessons on payday loans. It also features a lesson scheduling system to help you stay focused on acquiring the necessary knowledge.

### Does Payday & Cash advance Guide offer real-time financial news?

Yes, Payday & Cash advance Guide includes a live news feed to keep you updated on relevant financial information. This helps you stay informed about the payday loan landscape.

### Can I take notes within Payday & Cash advance Guide?

Yes, the application includes an in-app course notebook. This allows you to jot down important information and keep track of your learning progress as you go through the lessons.

### What devices is Payday & Cash advance Guide compatible with?

Payday & Cash advance Guide is available for iPhone, iPad, and iPod. It is designed for iOS devices.

### How often is Payday & Cash advance Guide updated?

The app was last updated on February 23, 2023, with version 1.0. Future updates will depend on the developer's release schedule.

### What is the user rating for Payday & Cash advance Guide?

Payday & Cash advance Guide has a rating of 3.0 stars based on 9 ratings. This indicates a mixed reception from its current user base.

## Version history (last 1 release)

### 1.0 — 2023-02-23

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-20.*