What does a paycheck advance cost?
Count delivery fees, any tip you choose, and a paid plan. Then check when each charge leaves your cash.
Page summary
Delivery fees, any tip you choose and a paid plan add to the cost. Their billing dates may differ. A share of a monthly plan helps compare cost per use; it is not a separate bill. Count each real charge once on its actual date.
Cost per use is different from a bill
Fictional example: A $200 advance has a $4 delivery fee and no tip. The $6 monthly plan covers two uses. Each use gets a $3 share of the plan, so the assigned cost is $7.
That does not make the payday debit $207. If the $4 is collected with the advance, payday’s debit is $204. The full $6 plan charge has its own billing date.
Two such uses cost $14 for the month. Repeating that month for 12 months would cost $168 in fees. That is a what-if total, not a forecast.
A deducted fee changes the cash you receive
Here is a different made-up example. You ask for $200, but a $4 fee comes out first. You get $196. If only the amount advanced is due later, you repay $200 on that date.
The $4 cost is already in the $196 received. Do not add it to that $200 repayment again.
Choose when each fee is paid to see the cash and payment schedule separately.
Keep a monthly plan on its actual date
The full plan charge may be due even when you take fewer advances. Dividing it across uses changes the cost assigned to each use. It does not change the monthly bill.
For a next-pay check, use the full charge if it is due in that period. Do not copy an allocated share into the bills list.
Check dollar costs before annualized fees
A simple annualized fee comparison puts a short fee on a yearly scale. Rung shows it after the dollar results. It is not statutory APR or a prediction of full-year use.
The tool shows its cash basis, days and formula. It does not decide whether a charge is a legal finance charge.
Sources and limits
Use your own disclosed charges. The historical study is not a current fee table. Worked amounts here are fictional.
Sources checked October 18–19, 2026. Public sources do not verify your offer or outcome.