Kefiw

Archived noindex page. Kefiw's public focus is Property decision help.

Archived page

This older Kefiw page is kept for reference, marked noindex, and removed from the primary sitemap. The current Kefiw experience is focused on property decisions: cost, quotes, damage, buying, selling, owning, and packets.

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Trap Detector

True APR of a payday loan or pawn deal — and how many times worse than a credit card.

APR = (total cost ÷ principal) × (365 ÷ days) × 100. Credit-card baseline is ~29%. A $15 fee on $100 for 14 days is 391% APR. The Trap Detector makes the multiplier obvious.

Part of: Saving & Spending Calculators

Start below
Fields marked optional can be skipped; results update as you type
TRAP_DETECTOR
True APR of payday loans, pawn deals, and cash advances
Loan Amount
$
Fee
$
Interest Rate
%
Days to Repay
TRUE APR
391%
EXTORTIONATE
Costs $1.07 per day · 13.5× credit-card APR
PREDATORY HEAT
DEBT TRAP DEPTH
GROUND98% DEEP
Total Cost
$15.00
Cost / Day
$1.07
vs CC APR (29%)
13.5×
▸ METHODOLOGY
APR = (total cost ÷ principal) × (365 ÷ days) × 100. A $15 fee on $100 for 14 days = 391% APR. Credit-card baseline = 29%. Heatmap bands: ≤30% fair, ≤80% high, ≤200% predatory, >200% extortionate.

How to use

  1. Enter the loan amount and total fee.
  2. Add interest rate (if any) and days until repayment.
  3. Read the APR, cost-per-day, and how many times worse than a credit card.

Examples

Classic payday
$100, $15 fee, 14 days → 391% APR → 13.5× CC.
Pawn redemption
$200 loan, $40 fee, 30 days → 244% APR → 8.4× CC.

Before you trust the result

Check the inputs that matter most: dates, rates, units, costs, and any optional fields you skipped. A calculator can only work with the numbers entered here, so use the result as a decision check rather than a final answer when money, health, tax, legal, or safety consequences are involved.

If the result feels surprising, change one input at a time and watch which number moves. That usually shows the real lever behind the decision.

Next up

Trap exposed — triage which debts to default on first.Default Optimizer → Cash tight? Triage every bill by survival tier.Bill Triage →

Frequently asked questions

› Is the Trap Detector advice? Trust & accuracy

No — it's math. APR bands are there so you can compare products honestly.

› What if I can't get a credit card?

The tool still tells you the true cost. Use that to bargain or find a friends-and-family rate.

Tips & related reading

See the Saving & Spending Calculators hub →

Tips & how-tos

Relevant links

Related tools

Bill Triage

When you can't pay everything, which bill first? Weighted ranking by service-cutoff risk and late-fee pain.

Default Optimizer

Prioritize essential bills first when there is not enough cash to pay everything.

Liquid Value

Should you sell an asset to avoid a late fee? Replacement penalty vs fee avoided — equity loss meter.