Estimate your monthly payment and total cost before you apply. These are estimates based on a representative APR — your actual rate will be disclosed in your loan agreement.
Estimates based on a representative 400% APR. Actual APR and payment may vary. Your specific rate will be disclosed in your loan agreement. This calculator is for estimation purposes only.
Apply for This Amount →Ready to apply? Once you know your estimated cost, apply for a Bison Cash tribal loan in minutes. See also: Compare Bison Cash vs other bad credit lenders to make sure you have the best option.
If you experience problems with a loan, you can file a complaint with the CFPB (Consumer Financial Protection Bureau). Federal consumer protection laws including TILA and EFTA apply to tribal lenders.
BisonCashApp.com is an independent information resource and is not affiliated with Bison Cash or Bison Bucks Lending. Loans governed by tribal law. APRs up to 700%+. Please consider all alternatives before applying.
The Bison Cash loan calculator above uses a representative 400% APR to estimate your payments. In reality, Bison Cash loan APRs can reach 700% or more depending on your specific loan amount and repayment term. Your exact rate will always be disclosed in your loan agreement before you sign — never after.
This calculator uses standard loan amortization math. You input a loan amount ($100–$1,500) and a repayment term (6, 12, or 18 months), and the calculator shows your estimated monthly payment, total repayment amount, and total interest charged over the life of the loan.
Because Bison Cash loans carry very high APRs, even a small change in repayment term dramatically affects your total cost. A $500 loan at 400% APR repaid over 6 months costs significantly less in total interest than the same loan repaid over 18 months.
Most borrowers focus on the monthly payment — but the more important number is the total repayment amount. This is the actual amount of money that will leave your bank account over the life of the loan. For a Bison Cash loan at high APR, the total repayment can be two to three times the original principal.
Borrow only what you truly need. Every dollar you borrow costs significantly more than a dollar to repay at 400–700% APR. If your emergency requires $300, don't borrow $500.
Choose the shortest repayment term you can afford. The longer the term, the more interest accrues. A 6-month term costs far less in total interest than an 18-month term on the same amount.
Pay off early if possible. Bison Cash charges no prepayment penalty. If your financial situation improves, pay off the remaining balance as quickly as possible to stop interest from accruing.
Consider alternatives first. Federal credit union Payday Alternative Loans (PALs) cap APR at 28%. See our lender comparison for cheaper options.
Estimates are based on a representative 400% APR and standard amortization. Actual Bison Cash APR may be higher (up to 700%+). This calculator is for estimation purposes only — your actual rate, payment schedule, and total repayment will be disclosed in your loan agreement. BisonCashApp.com is not affiliated with Bison Cash.
