Many state regulations fix a maximum size for payday loan fees spanning from $10 to $30 for every $100 borrowed. A regular two-week payday loan with a $15 per $100 fee relates to an annual percentage rate (APR) of nearly 400 percent. By contrast, APRs on credit cards can vary from about 12 percent to almost 30 percent. In many countries that allow payday lending, the loan amount, fees, and maximum loan amount are restricted.