Your estimated Bnine cost
A B9 Advance is not a loan and has no APR. The annualized figure only shows how the fee compares with a loan's APR for the same money and time.
How this calculator works
Monthly cost is your plan fee plus any instant transfer fees. We divide that by the total you advance in a month to get the cost per $100. The annualized figure assumes each advance is repaid at your next payday: roughly 30 days for monthly pay, 15 days for twice-monthly pay, and 7 days for weekly pay.
What the numbers usually show
Bnine gets cheaper per dollar as you advance more. A new member drawing $50 twice a month on Basic pays $9.99 for $100 of access, about $10 per $100. A Premium member drawing $500 twice a month pays $19.99 for $1,000, about $2 per $100. If you only need an advance occasionally, you still pay the fee every month, so your true cost is higher than the calculator shows for a single month.
This calculator is an estimate for education only. Actual limits, fees and eligibility are set by B9 and can change. It does not represent an offer from B9 or any lender.
Frequently asked questions
Does a Bnine advance have an APR?
No. B9 advances are not loans and carry no interest. The annualized cost above is a comparison tool only.
Does the calculator include instant transfer fees?
Only if you enter one. Standard delivery has no fee; instant transfers to cards or apps may cost extra, so check the current fee in the B9 app and add it per advance.
Is Premium cheaper than Basic?
Yes, if you pay yearly: Premium costs $6.99 a month billed as $83.88 a year, below Basic's $9.99 a month. Month to month, Basic is cheaper.