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The annual percentage rate (APR) charged on payday loans is very high, often between 390% and 780%. For comparison’s sake, credit card APRs sit between 12% and 29.99%, and personal loan APRs are between 6.99% and 46.96%.Payday loans are one of the most expensive ways to borrow money. The annual percentage rate (APR) charged on payday loans is very high, often between 390% and 780%. For comparison’s sake, credit card APRs sit between 12% and 29.99%, and personal loan APRs are between 6.99% and 46.96%.
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