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Cash Advance Calculator

Enter the amount, factor rate and repayment period from your offer to see exactly what you will repay and what it costs.

How this calculator works

  • Total to repay = amount × factor rate.
  • Cost = total to repay minus the amount you receive.
  • Weekly payment = total to repay ÷ number of weeks.
  • The annualised rate scales the cost to a full year for easy comparison. It is a simple estimate, not a legal APR.

Cash Advance Calculator FAQs

What is a factor rate?

A factor rate is a multiplier applied to the amount you receive. A 1.20 factor rate on $2,000 means you repay $2,400.

Is the annualised rate the same as APR?

No. It is a simple estimate. Your lender must show the official figures in your offer, so always check them.

For information and planning only. Not financial, legal or tax advice. Results are estimates.

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