# Free Payday Loan Tools: Cost Calculator, Eligibility & Scam Spotter | Nimbus Loans

> Six free interactive tools: cost calculator, rollover simulator, affordability checker, state eligibility, scam spotter and payday-vs-alternatives. No signup.

Источник: https://nimbusloans.com/tools/

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# Free Payday Loan Tools

Six interactive utilities to help you make a smarter short-term borrowing decision. No sign-up, no application — answer the questions and get a verdict in under a minute.

## Cost calculators

See the real dollar cost before you borrow — APR, fees, and what a rollover actually adds up to.

[Loan Cost CalculatorEnter loan amount + your state. Returns total cost, APR, fees, and finance charge — using the rates your state actually allows.](/tools/cost-calculator/)

[Rollover Cost SimulatorMove a slider for each renewal and watch the fees stack up against the amount you originally borrowed. Shows the debt-trap math.](/tools/rollover-simulator/)

## Decision tools

Quick verdicts to help you choose if and how to borrow.

[Affordability CheckerThree-question check that returns a red / yellow / green verdict on whether you can realistically repay on time.](/tools/affordability-checker/)

[Payday vs. AlternativesSix common ways to cover a short-term shortfall, ranked side-by-side by true dollar cost and speed.](/tools/payday-vs-alternatives/)

## Eligibility & safety

Before you apply: confirm what's legal where you live, and that the lender is real.

[State Eligibility CheckerType your ZIP code, see what loan products are legally available in your state, with caps, fees and license requirements.](/tools/state-eligibility-checker/)

[Scam SpotterPaste a lender's name or URL. We check it against state license databases and flag common fake-lender red flags.](/tools/scam-spotter/)

## More from Nimbus Loans

Want the background, not just the calculators?

[Learn CenterPlain-language explainers and in-depth guides about short-term borrowing.](/learning-center/)

[Borrower StoriesThree real-world case studies of short-term borrowing decisions.](/stories/)