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Rates and Terms


The minimum initial loan amount is $100.00. The maximum loan amount is $1,000.00. Please note, first time borrowers may qualify for up to $1000.00.


Your 1st loan payment will most likely be due on your next pay date that falls at least 5 days away. If your next pay date is less than 5 days away, your due date will be on the following pay date.


The finance fee 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. Late fees and non-sufficient funds/returned item fees might apply as described in your loan agreement.

Interest rate is the percentage of the principal of a loan a lender charges a borrower to make the loan. Finance charges are a broader measure of the cost of borrowing that include both interest and any applicable fees. Annual percentage rate, or APR, expresses the finance charges on a loan as a yearly rate. Finance charges are based on a consumer's creditworthiness. A consumer's creditworthiness is determined by several factors, including credit and payment history, income, employment, existing debt, and types of debt. The APR for your loan will be determined by the amount you choose to borrow and the length of time you choose to keep your loan outstanding. You can reduce the total cost of your loan by paying off your loan prior to your last due date on your payment schedule or by making additional payments on or between your payment due dates.

The copy of your loan details, finance charges and APR will be fully disclosed to you in your loan agreement upon approval of your loan. Contact us today to see if you qualify for one of our loans. We can assist you and present a range of loan options for which you may qualify.*

Our Company adheres to all federal laws and regulations that apply to short term and online personal lending industry. Our company does not discriminate against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of an applicant's income derives from any public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

*All loans are subject to credit approval.

Please Note: You always have the option to pay the loan off in full with no pre-payment penalty. In fact, encourages the accelerated reduction of loan principal to reduce the total number of payments made by the customer, thereby reducing the overall cost of credit.


Your loan payments are due on your following pay date, unless your pay date happens to fall on a weekend or holiday (your actual due date will be on the business day either before or after as you specified on your loan application). Note: We request you notify us at least 2 business days prior to your due date if you choose to change your payment amount. The installment payment per your schedule will be paid on the scheduled pay dates. After the schedule has been completed on time then your loan would be paid in full. You may be sent reminders via email outlining your due date options prior to your due date

We strongly encourage principal reduction and early payment to reduce your finance charges.


Applications processed and approved before 5pm EST Monday - Friday are typically funded on the next business day. You can request same-day wire transfer up to 3pm EST Monday - Friday or next day wire transfer for loans processed on the weekends or bank holidays for an additional $5.00. Please verify with your bank as additional incoming wire fees may be assessed.


If a payment is not made by your due date, you will be subject to additional fees. If a payment is returned because there are insufficient funds, or your payment is dishonored by your financial institution for any reason, then you will be assessed an NSF fee of $30.00. If any payment is late by more than 10 days after the due date, then you will be responsible for an additional $20.00 late fee.