Payday loans have a bad reputation because of the negative impact they can have on individuals who turn the use of this emergency tool into a way of life. Our rollover payday loan calculator is designed to help borrowers visualize the impact of rolling over their short-term financing. “Rolling over” occurs when a borrower extends a payday loan beyond the agreed upon duration, which is usually two weeks. Whenever a borrower extends that duration by another term, they’re charged a fee equal to the fee required to originate the loan.