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Bad Credit Loans Guaranteed Approval In [link widoczny dla zalogowanych] Pricing structure of payday loans â as noted above, payday loans come with a very high interest rate. Issuers of payday loans defend these high rates by saying processing costs for payday loans are proportionally higher than other loans. They argue that conventional interest rates for lower dollar amounts and shorter terms would not be profitable. *Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100 Low End Calculation: ($40 / $600) * (365 days / 14 days) x 100 = 173.81 percent High End Calculation: ($80 / $600) * (365 days / 14 days) x 100 = 347.62 percent

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