Weekly, bi-weekly and monthly payment per $1,000 financed, the finance charge per $1,000, and daily interest per $1,000 of balance, at 8% to 30% APR over 12 to 48 months. Desk a buy-here-pay-here note without a calculator, or check the one you have.
Find your APR row and your term column, then multiply the figure by the amount financed in thousands. For example, $7,500 financed at 18% over 24 months:
The tables round each figure to the cent, so multiplying a table figure can land a few cents off the exact payment; the example uses the unrounded factor. It uses round numbers to show the arithmetic, not a typical rate or term. What you may charge is set by your state's usury and retail-installment laws. For your exact numbers, use the free BHPH payment calculator.
One payment every week, 52 a year. Multiply by the amount financed in thousands. Columns show the term and the number of payments.
| APR | 12 mo52 pmts | 18 mo78 pmts | 24 mo104 pmts | 30 mo130 pmts | 36 mo156 pmts | 42 mo182 pmts | 48 mo208 pmts |
|---|---|---|---|---|---|---|---|
| 8% | $20.03 | $13.61 | $10.41 | $8.49 | $7.22 | $6.30 | $5.62 |
| 10% | $20.23 | $13.82 | $10.62 | $8.70 | $7.43 | $6.52 | $5.84 |
| 12% | $20.43 | $14.02 | $10.83 | $8.91 | $7.64 | $6.74 | $6.06 |
| 15% | $20.74 | $14.34 | $11.14 | $9.24 | $7.97 | $7.07 | $6.40 |
| 18% | $21.05 | $14.65 | $11.47 | $9.57 | $8.31 | $7.42 | $6.75 |
| 21% | $21.36 | $14.97 | $11.79 | $9.90 | $8.65 | $7.77 | $7.12 |
| 24% | $21.67 | $15.30 | $12.13 | $10.25 | $9.01 | $8.13 | $7.49 |
| 27% | $21.99 | $15.62 | $12.47 | $10.60 | $9.37 | $8.51 | $7.87 |
| 30% | $22.31 | $15.96 | $12.81 | $10.96 | $9.74 | $8.89 | $8.27 |
One payment every two weeks, 26 a year. Multiply by the amount financed in thousands. Columns show the term and the number of payments.
| APR | 12 mo26 pmts | 18 mo39 pmts | 24 mo52 pmts | 30 mo65 pmts | 36 mo78 pmts | 42 mo91 pmts | 48 mo104 pmts |
|---|---|---|---|---|---|---|---|
| 8% | $40.08 | $27.25 | $20.84 | $17.00 | $14.44 | $12.62 | $11.25 |
| 10% | $40.49 | $27.66 | $21.25 | $17.42 | $14.86 | $13.04 | $11.68 |
| 12% | $40.90 | $28.08 | $21.67 | $17.84 | $15.30 | $13.48 | $12.13 |
| 15% | $41.53 | $28.71 | $22.31 | $18.49 | $15.96 | $14.16 | $12.81 |
| 18% | $42.16 | $29.35 | $22.97 | $19.16 | $16.64 | $14.85 | $13.52 |
| 21% | $42.80 | $29.99 | $23.63 | $19.84 | $17.33 | $15.56 | $14.25 |
| 24% | $43.44 | $30.65 | $24.30 | $20.53 | $18.04 | $16.29 | $15.00 |
| 27% | $44.09 | $31.31 | $24.99 | $21.23 | $18.77 | $17.04 | $15.77 |
| 30% | $44.74 | $31.99 | $25.68 | $21.95 | $19.51 | $17.81 | $16.56 |
One payment every month, 12 a year. Multiply by the amount financed in thousands. Columns show the term and the number of payments.
| APR | 12 mo12 pmts | 18 mo18 pmts | 24 mo24 pmts | 30 mo30 pmts | 36 mo36 pmts | 42 mo42 pmts | 48 mo48 pmts |
|---|---|---|---|---|---|---|---|
| 8% | $86.99 | $59.14 | $45.23 | $36.89 | $31.34 | $27.38 | $24.41 |
| 10% | $87.92 | $60.06 | $46.14 | $37.81 | $32.27 | $28.32 | $25.36 |
| 12% | $88.85 | $60.98 | $47.07 | $38.75 | $33.21 | $29.28 | $26.33 |
| 15% | $90.26 | $62.38 | $48.49 | $40.18 | $34.67 | $30.75 | $27.83 |
| 18% | $91.68 | $63.81 | $49.92 | $41.64 | $36.15 | $32.26 | $29.37 |
| 21% | $93.11 | $65.24 | $51.39 | $43.13 | $37.68 | $33.82 | $30.97 |
| 24% | $94.56 | $66.70 | $52.87 | $44.65 | $39.23 | $35.42 | $32.60 |
| 27% | $96.02 | $68.18 | $54.38 | $46.20 | $40.83 | $37.05 | $34.28 |
| 30% | $97.49 | $69.67 | $55.91 | $47.78 | $42.45 | $38.73 | $36.01 |
Total interest over the full term on monthly payments, if every payment is made on time. Weekly and bi-weekly notes come in slightly lower at the same APR and term.
| APR | 12 mo | 18 mo | 24 mo | 30 mo | 36 mo | 42 mo | 48 mo |
|---|---|---|---|---|---|---|---|
| 8% | $43.86 | $64.53 | $85.45 | $106.65 | $128.11 | $149.83 | $171.82 |
| 10% | $54.99 | $81.03 | $107.48 | $134.34 | $161.62 | $189.31 | $217.40 |
| 12% | $66.19 | $97.68 | $129.76 | $162.44 | $195.72 | $229.58 | $264.02 |
| 15% | $83.10 | $122.93 | $163.68 | $205.36 | $247.95 | $291.46 | $335.88 |
| 18% | $100.16 | $148.50 | $198.18 | $249.18 | $301.49 | $355.10 | $410.00 |
| 21% | $117.37 | $174.41 | $233.26 | $293.89 | $356.30 | $420.46 | $486.35 |
| 24% | $134.72 | $200.64 | $268.91 | $339.50 | $412.38 | $487.53 | $564.89 |
| 27% | $152.21 | $227.19 | $305.13 | $385.98 | $469.71 | $556.25 | $645.55 |
| 30% | $169.85 | $254.06 | $341.91 | $433.33 | $528.26 | $626.61 | $728.29 |
Balance × APR ÷ 365. Multiply by the remaining balance in thousands to get the per-diem for a payoff quote, then add it for each day until the funds arrive. The BHPH payoff calculator does the whole payoff.
Free to cite, copy and reprint with attribution to DealerVLO (https://www.dealervlo.com/research/bhph-payment-tables), under CC BY 4.0. Suggested citation: “BHPH Payment Tables, DealerVLO, 2026-11-04.” Not legal or financial advice.