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Rates & Terms

WHAT DOES IT COST?

Please refer to your loan agreement for specific rates/fees as the example below may vary from your loan agreement.

The total payments due and APR will be disclosed on the loan agreement that we send to you for review and signature. The payment schedule on your loan agreement will include the number of payments, payment amounts and payment dates for the duration of the loan. For details on the specific fees of your loan, please see your loan agreement. Late fees and non-sufficient funds / returned item fees may apply as described in your loan agreement.

The finance fees charged for your loan will be clearly disclosed to you in terms of the dollar amount of interest and the APR according to the principles of federal truth in lending law and regulations. For details on the specific rates/fees of your loan, please see your loan agreement. To minimize the total cost of your loan, we strongly recommend that you either pay your loan in full, or pay as much as you can to reduce the principal balance.

Sample Payment Schedule

Below is a sample payment schedule for a $300 dollar bi-weekly loan.

Number of Payments Loan Amount Total Finance Fees Total Principal Payments Total Payments Annual Percentage Rate
26 $300.00 $1,365.50 $300.00 $1,665.00 780%
Payment Number Total Payment Due Ending Loan Balance
1 $100.00 $290
2 $97.00 $280
3 $94.00 $270
4 $91.00 $260
5 $88.00 $250
6 $85.00 $240
7 $82.00 $230
8 $79.00 $220
9 $76.00 $210
10 $73.00 $200
11 $70.00 $190
12 $67.00 $180
13 $64.00 $170
14 $61.00 $160
15 $58.00 $150
16 $55.00 $140
17 $52.00 $130
18 $49.00 $120
19 $46.00 $110
20 $43.00 $100
21 $40.00 $90
22 $37.00 $80
23 $34.00 $70
24 $31.00 $60
25 $28.00 $50
26 $65.00 $0

NSF Fee

If any payment made by you on this Loan is not honored or cannot be processed for any reason, including not enough money in your Bank Account, then you will be assessed an NSF fee of $25.

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