Rates and Terms

Your Rate:

Your individual rates and terms will vary depending on your specific loan. Your rate and terms will be disclosed to you prior to you signing the agreement.

Due Date:

The entire amount of outstanding under your loan is due in full on your next payroll or regular income direct deposit date.

Finance Charges

Accrual

A finance charge begins to accrue on the date the loan advance is made. The finance charge is assessed on the unpaid loan principal balance at the end of each day at the daily periodic rate.

Daily Rate

The daily periodic rate is 0.0904% which is equal to 1/365th of the Annual Percentage Rate of 33%. on that part of the unpaid balance of the principal amount.

Annual Percentage Rate Example Disclosure

Loan AmountAdministrative FeeInterestTotal Fees and InterestTotal AmountAPR (Assumes 14-day term)
$100$25.00$1.27$26.27$126.27684.79%
$150$25.00$1.90$26.90$176.90467.52%
$200$25.00$2.53$27.53$227.53358.89%
$250$25.00$3.16$28.16$278.16293.71%
$300$25.00$3.80$28.80$328.80250.26%
$350$25.00$4.43$29.43$379.43219.22%
$400$25.00$5.06$30.06$430.06195.95%
$450$25.00$5.70$30.70$480.70177.84%
$500$25.00$6.33$31.33$531.33163.36%
$750$25.00$9.49$34.49$784.49119.90%
$1,000$25.00$12.66$37.66$1,037.6698.18%
This example disclosure assumes the advance is paid in full fourteen (14) days after the date of the advance. Your specific rates and terms will be disclosed to you for your specific loan.
NOTICE: THIS IS AN EXPENSIVE FORM OF CREDIT. A SHORT TERM LOAN SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS ONLY, NOT AS A LONG-TERM FINANCIAL SOLUTION. CUSTOMERS WITH CREDIT DIFFICULTIES SHOULD SEEK CREDIT COUNSELING OR MEET WITH A NONPROFIT FINANCIAL COUNSELING SERVICE IN THEIR COMMUNITY.
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