Everything you pay — disclosed upfront. $15 per $100 borrowed. No hidden fees. No fine print traps.
Choose exactly what you need. First-time borrowers qualify for up to $500. Returning customers with positive history can access up to $1,500.
Standard term is 14 days, aligned to your next paycheck. Extensions to 30 days available by request. Due date is set at time of agreement.
A flat fee of $15 per $100 borrowed. $500 loan costs $75. No compounding. No monthly fees. No prepayment penalties.
Move the slider to see the exact cost of your loan before you apply.
* APR shown for comparison per TILA requirements. Actual cost is the flat fee shown above.
All fees disclosed per Truth in Lending Act (Regulation Z) requirements. Representative examples only.
| Amount | Term | Finance Charge | Total Repayment | APR* | Daily Cost |
|---|---|---|---|---|---|
| $100 | 14 days | $15 | $115 | 391.07% | $1.07/day |
| $200 | 14 days | $30 | $230 | 391.07% | $2.14/day |
| $300 | 14 days | $45 | $345 | 391.07% | $3.21/day |
| $500 | 14 days | $75 | $575 | 391.07% | $5.36/day |
| $750 | 14 days | $112.50 | $862.50 | 391.07% | $8.04/day |
| $1,000 | 30 days | $200 | $1,200 | 243.33% | $6.67/day |
| $1,500 | 30 days | $300 | $1,800 | 243.33% | $10.00/day |
* APR (Annual Percentage Rate) is disclosed in compliance with the Truth in Lending Act (TILA / Regulation Z) for comparison purposes only. Short-term loans are not annual products. The actual cost is the flat finance charge shown. APR = (Finance Charge / Principal) × (365 / Term in Days) × 100.
Short-term loans serve a specific purpose. Here's how ActiveHours stacks up against alternatives for a $500 emergency need.
| Feature | ActiveHours | Bank Personal Loan | Credit Card | Pawn Shop |
|---|---|---|---|---|
| Speed to fund | 24 hours | 1–3 weeks | Instant (if available) | Instant |
| Min. credit score | None (soft pull) | 640–700+ | 580–670+ | None |
| Collateral needed | No | Sometimes | No | Yes (item) |
| Application time | 5 minutes | 30–60 min | 15–30 min | 15–30 min |
| Office visit required | No | Often | No | Yes |
| $500 cost (14 days) | $75 flat | ~$5–$15 (if approved) | ~$8–$16 (20–30% APR) | ~$50–$125 (high fees) |
| Available 24/7 | Yes | No | Yes | No |
Comparison is illustrative. Bank and credit card rates vary significantly by applicant creditworthiness. This is not financial advice — choose the option that best fits your situation and costs.
Short-term lending is regulated at the state level. Availability and maximum loan amounts may vary.
Some states have specific caps on loan amounts, finance charges, or number of allowed rollovers. The terms shown on this page represent our standard national offering. Your actual loan terms will reflect applicable state law and will be fully disclosed in your loan agreement before signing.
This list is illustrative and subject to change. State availability is verified automatically during your application. We will always inform you before issuing a loan agreement if we cannot serve your state.
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