Free 90DayLoan tools

By the 90DayLoan team · Updated November 3, 2026

Quick answer: Pick a tool below. Each one works on your phone, starts with an example filled in, and shows results instantly.

All tools

Tap any tool to open it.

Free toolWhich Short-Term Borrowing Option Fits You?Answer 5 quick questions to see which option to look at first: a credit union payday alternative loan, a short-term installment loan, a 0% option, or a non-loan alternative.Open →Free tool90-Day Loan CalculatorFree 90-day loan calculator: enter an amount and APR to see your monthly payment, total repaid and interest, plus reference tables.Open →Free toolAPR calculator: what a short-term loan really costsTurn a loan offer's fee and repayment total into an APR, so you can compare a 90-day loan, a payday loan and a credit union loan side by side.Open →Free toolHow to Check if a Lender Is Licensed (and Spot Loan Scams)How to verify a short-term lender's state license with NMLS Consumer Access and your state regulator, spot advance-fee scams and file a complaint.Open →Free toolFree checklist: before you take a short-term loanA printable checklist to work through before you sign for a 90-day or other short-term loan.Open →

More tools are added regularly.

FAQ

Do these tools cost anything?

No. They are free and run in your browser. Nothing you enter is sent to us.