$1,000 90-Day Loan: Payments, Total Cost and Where to Look
Updated November 1, 2026
90 Day Loan is an independent information site, not a lender or loan broker, and does not make credit decisions. Guides are general information, not financial advice.
These are our own calculations for $1,000 borrowed with equal payments and no fees.
Three monthly payments
| APR | Monthly payment (3 payments) | Total repaid | Total interest |
|---|---|---|---|
| 18% | $343.38 | $1,030.15 | $30.15 |
| 28% | $349.01 | $1,047.03 | $47.03 |
| 36% | $353.53 | $1,060.59 | $60.59 |
| 99% | $389.79 | $1,169.36 | $169.36 |
| 200% | $450.13 | $1,350.39 | $350.39 |
Our own calculation: $1,000 borrowed, equal monthly payments, simple amortization, no fees. Real offers add origination or late fees and may use other payment schedules.
Six biweekly payments
| APR | Biweekly payment | Total repaid |
|---|---|---|
| 28% | $173.00 | $1,038.03 |
| 36% | $174.84 | $1,049.02 |
| 99% | $189.57 | $1,137.42 |
| 200% | $214.30 | $1,285.80 |
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Where to look
- Credit unions: PAL II loans go up to $2,000 (so this amount fits)
- Banks where you already have an account
- Online installment lenders licensed in your state
This guide is general information, not financial advice. Loan rules, rate caps and which products are allowed differ by state. Check a lender's license with your state regulator before you apply.
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Tell us what you need and licensed partners may reach out. Compare options
Sources
- Federal Register: NCUA Payday Alternative Loans (PAL II) final rule
- CFPB: What is the difference between a loan interest rate and the APR?
- NMLS Consumer Access: check a lender's license
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