Cash received
Actual net disbursement
Advertised maximum
Compare Payday Loans
Compare the cash you receive, the total due and the due date
Bring two actual disclosures, not two advertised limits. Compare the money that reaches you, every required payment and the date you must repay before deciding whether either offer fits.
Bottom Dollar Payday is a product of FSST Financial Services, LLC, not a lender. An independent provider processes the application; terms and availability depend on the provider.
- Choose your amount
Start with your cash need and repayment.
- Complete the application
Continue to the provider’s online form.
- Review any offer
Check the cost and dates before accepting.
All repayments
Complete contractual schedule
One minimum payment
Separate charges
Charges paid outside that schedule
Fees already withheld from proceeds
Start with your situation
Do you have terms or only an advertisement?
This page does not invent lender offers, ratings or a personalized match. The useful comparison begins with verifiable terms.
I only have “up to” amounts and speed claims
Ask for the actual product, state availability, net amount, all charges and payment schedule. Leave unknown values out of a numerical comparison rather than entering zero. A general advertisement is not an offer to you.
I have two written repayment schedules
Copy both schedules and all separate charges into the worksheet. Use the same required cash amount and check whether each offer actually supplies it. Compare repayment dates outside the dollar calculation.
One option is a different kind of credit
Use the product comparison pages for differences in credit-card, installment, wage-access or collateral rules. The cash-cost worksheet still needs a complete repayment total for both alternatives.
Build a disclosure checklist before comparing numbers
Identify the creditor named in each agreement, the product type and whether the product is offered in your state. A referral website, an application processor and a lender can be different organizations. A regulator link on a page does not establish that any particular offer is authorized.
| Required input | Acceptable basis | Do not substitute |
|---|---|---|
| Cash received | Actual net disbursement | Advertised maximum |
| All repayments | Complete contractual schedule | One minimum payment |
| Separate charges | Charges paid outside that schedule | Fees already withheld from proceeds |
| Due date or dates | Written agreement | “When you get paid” without a date |
| Funding condition | Provider’s confirmed process | A preliminary approval screen |
On a narrow screen, scroll inside the table to see every column.
Payday structures and availability differ across products and states. Do not treat one lender’s disclosure as a nationwide rule. [R07]
Normalize the amount before interpreting the cost
Illustration: you need $500. Offer A supplies $450 net and requires $510 in repayments. Offer B supplies $500 and requires $580. With no other charges, their cash costs are $60 and $80, but A still leaves $50 of the expense unfunded. Calling A the answer solely because its dollar charge is lower ignores the shortage.
The worksheet explicitly shows that mismatch. To make the financing job equivalent, obtain terms for the cash actually needed or account separately for how the missing funds would be supplied. Do not silently assume another loan at no cost.
Local worksheet
Compare two offers using actual cash received
Enter complete repayment totals. A withheld fee belongs in net proceeds; only genuinely separate upfront payments go in the separate-charge field.
Enter 0 where applicable. Use a decimal point and no commas. No data is sent.
Result
Method and limits
Cash cost = all repayments + separate upfront charges − cash actually received. Withheld fees reduce cash received; do not enter them again as separate charges. Outlay adds repayments and upfront charges. Shortfall compares cash received with the expense. This tool assumes complete schedules, excludes subsidies, and does not adjust for timing, collateral, taxes, rollover, default or unequal terms.
Read the repayment deadline alongside the price
A lower dollar cost with an earlier due date may create an obligation you cannot meet. Conversely, stretching payments can reduce one payment while raising total cost. Compare the whole agreement and the income available on each due date, not only the APR or first installment. [R26] [R06]
| Comparison dimension | Offer A | Offer B |
|---|---|---|
| Net money for the expense | Record the disclosed amount | Record the disclosed amount |
| Full payoff dates | Record every required date | Record every required date |
| Cash remaining after essentials | Calculate for the payment period | Use the same budget basis |
| Extra or default charges | Read the conditions | Read the conditions |
| Secured property, if any | Identify what is at risk | Identify what is at risk |
On a narrow screen, scroll inside the table to see every column.
These are fields to complete from real agreements, not a lender ranking. Unknown terms remain unresolved, not favorable.
Keep renewal and a new loan out of the base scenario
The base comparison assumes each loan is repaid according to the entered schedule. It does not assume a rollover is available or legal. Paying an extension charge may leave principal still due; it must not be presented as reducing the debt unless the agreement says so. [R26]
If repayment would require renewal, compare that separate scenario using documented terms and the remaining balance. A plan that works only after another approval is not the same as a funded repayment plan.
Check the recipient before sending an application
Before providing sensitive information, identify the organization receiving it, read its privacy and consent language and confirm the creditor’s contact details independently. Do not submit multiple applications merely to obtain missing marketing numbers.
A demand for advance payment to guarantee approval is a warning sign. Legitimate disclosed charges and a payment to an unknown party promising guaranteed acceptance should not be conflated. [R08]
Make a decision only after the missing fields are resolved
Keep the offer with its date, the required cash amount and your budget calculation. If either offer leaves essential spending unfunded after repayment, investigate a smaller expense, a creditor arrangement or another assistance route rather than treating a cost calculation as approval to borrow.
Use the comparison worksheet for dollars and the related product pages for differences in the agreements. No numeric result establishes lender eligibility, legality in your state or the best choice for your circumstances.
Questions before your next step
Why does the lower cash cost not automatically identify the better offer?
Because cash received, payment dates, required collateral and affordability may differ. The worksheet exposes dollar differences, not a suitability ranking.
Where do I enter an origination fee withheld from the deposit?
Reflect it in the lower cash received. Do not add that same fee as a separate upfront payment too. [R06]
Can I enter a minimum payment as the total repayment?
No. Use the complete schedule or a stated payoff assumption. A single minimum is not the cost of fully repaying the loan.
Related decisions
Ready for your next step?
Continue to the online application. Review the terms of any offer before you accept.
Sources and scope
Sources support general product facts, not a Bottom Dollar lender offer or endorsement. Numerical scenarios are illustrations, not available rates or terms.
