One loan
$800
$880 on day 28
$800 Loan
Do not hide an $800 need across separate repayments
Several smaller advances can add up to $800 received, but they also create several obligations. Compare the combined payment calendar and cost before treating separate amounts as an easier solution. A remaining gap is not solved by an unconfirmed second approval.
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.
Advance A
$300
$330 on day 14
Advance B
$500
$560 on day 28
Start with your situation
How would the $800 be covered?
Count actual net money and every associated repayment.
One provider may cover the full amount
Verify the net delivery and full schedule. A single contract is easier to list, but it still needs to fit the deadline and budget.
Two smaller offers may cover it together
Keep each agreement separate and add the obligations for each income period. Confirm both offers and permitted use; one approval does not secure the other.
I already owe money and need another advance
Include existing payments before the new one. A new disbursement is not new recurring income and does not remove the older debt.
Compare the full $800 package
These are invented cash-flow examples, not actual providers, prices or available products. They use the same $800 net received but different obligations.
| Hypothetical route | Net received | Payment timing in the example | Total repayment |
|---|---|---|---|
| One loan | $800 | $880 on day 28 | $880 |
| Advance A | $300 | $330 on day 14 | $330 |
| Advance B | $500 | $560 on day 28 | $560 |
| A and B combined | $800 | Both payments remain due | $890 |
On a narrow screen, scroll inside the table to see every column.
The combined route costs $90 above cash received versus $80 in the single-loan example. That $10 difference is not an APR comparison; timing and charge treatment differ. An apparently small second advance must be included in the whole decision.
Use an obligations calendar, not a list of available limits
Write down creditor, amount due, date, collection method and remaining payments for every agreement. General payday repayment may involve checks or account access, making the actual authorization important. [R13]
Do not assume separate apps or lenders know about every other commitment. Give accurate information when asked and keep your own complete budget. Ask whether the provider has restrictions relevant to your outstanding loans or intended use; this page does not establish a right to combine products.
Use the worksheet
Test all payments in the same income period
Use take-home income, necessary spending, a reserve and the proposed payment for the same period. Include only income confirmed for that period.
Use numbers without $ signs or thousands separators; use a dot for decimals. The calculation stays in this page and does not retrieve bank or credit data.
Method, assumptions and limits
Cash before the new payment = usable income − essentials/existing obligations − chosen reserve. Residual = that result − the proposed payment. All entries must describe the same period. A negative result is a shortfall; a positive result is not an approval or a recommendation to commit the balance. The reserve is your input, not a standard buffer.
Input limits: money $0–$35,000 (two decimal places); principal must be positive; fee must be below principal. Monthly term: 1–600 whole months. Annual nominal rate: 0–1,000%, up to four decimals. App uses: 0–1,000 whole uses. These are calculator limits, not available loan terms.
Add both payments when they fall before the next income
Suppose the example’s day-14 and day-28 payments both occur before your next available income on day 30. Your current period has $1,400 to spend, $900 of essentials and existing commitments, and a $100 reserve. Both new payments belong in this period.
| Combined-period budget | Amount |
|---|---|
| Available income/funds for the period | $1,400 |
| Essentials and existing commitments | $900 |
| Reserve | $100 |
| Available before the new obligations | $400 |
| Advance A plus Advance B | $890 |
| Remaining | −$490 |
On a narrow screen, scroll inside the table to see every column.
Evaluating only $330 would miss the second obligation. The worksheet takes their combined $890, because it models a single period rather than multiple contracts. If your periods differ, test each date range separately.
Resolve a partial approval before accepting obligations
If only the $300 offer is confirmed, the remaining $500 is still a gap. Do not assume another provider will fill it or that a higher limit becomes available after taking the first advance. Identify a complete, confirmed expense plan before treating the financing as settled.
If an offer delivers less than its principal after deductions, lower the net amount in the coverage calculation. Compare charges from the actual documents: installment products can include fees in addition to interest. [R06] Do not combine two advertised principal figures and call them usable cash.
Avoid using new debt to conceal an existing payment
If part of the $800 will repay an earlier loan, show that separately from money available for the new expense. Subtract the actual payoff and any charges; confirm the old obligation is settled before removing its scheduled payment from the budget.
A smaller payment under a replacement arrangement can last longer or cost more. Ask for the full schedule and any security requirement. Taking additional borrowing is not itself evidence that the old loan has been refinanced or closed.
Finish with one combined view
Your comparison should show every dollar received, each creditor’s payment dates, all future amounts and any old debt that remains. A single repayment may fail the budget too: in the same $400-capacity period, $880 would still leave a $480 deficit.
Use the $500 budget page for a concentrated payday obligation and the installment page for monthly repayment structure. This page does not combine accounts, check multiple lenders or submit an $800 request. Its purpose is to make separate obligations visible before you decide.
Questions before your next step
Are two smaller advances automatically easier to repay?
No. Add their payments by income period and compare total repayment. Separate contracts can fall due before the same next paycheck.
Can I count a second application as covering the remaining need?
Not until a usable offer and its delivery are confirmed. A pending request is not cash.
Does the worksheet track two contracts separately?
No. It tests one period using the combined payments you enter. Keep each agreement’s dates and later balances in your own calendar.
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.
