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Installment Loan Rates



Loan Amount

The minimum initial amount is $150.00

The maximum loan amount will be $1,500.00

Cost of your loan:

The total payments due and APR will be disclosed on your loan agreement. 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. Examples of the total payments charged of your loan are provided in the table below. To minimize the cost of your loan, we strongly recommend that you pay your loan in full or make additional payments as soon as you can. There are no penalties for early payoff.

Payment Schedules:

Your full payment schedule will be included in your loan agreement. 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. You control how soon you wish to pay your loan off. There will not be any prepayment penalties.

Below is a sample payment schedule for a $300 loan with biweekly payments. Please note that your APR may vary based upon your total loan duration and amount funded. Remember that the sooner you pay back your loan, the less your total loan cost will be. If you are interested in paying your loan off soon and reducing the total cost of your loan, please ask a Customer Service Representative about our accelerated payment option.




Installment Loan Schedule

Loan Amount Number of Payments Total Finance Fees Total Principal Payments Total Payments Annual Percentage Rate
$300.00 12 $759.04 $300.00 $1,059.04 725.00%

 

Payment Number Due Date Total Payment Due
1 10/2/2015 $88.27
2 10/16/2015 $88.27
3 10/30/2015 $88.27
4 11/13/2015 $88.27
5 11/27/2015 $88.27
6 12/11/2015 $88.27
7 12/25/2015 $88.27
8 1/8/2016 $88.27
9 1/22/2016 $88.27
10 2/5/2016 $88.27
11 2/19/2016 $88.27
12  3/4/2016 $88.27

Funding Timeframes:

Applications processed and approved before 5pm MST Monday - Friday are typically funded on the next business day. You can request same day funding up to 1:30pm MST Monday - Friday or next business day wire transfer for loans processed on the weekends or bank holidays for an additional $12.00. Please verify with your bank as additional incoming wire fees may be assessed. 

Late / NSF Fees:

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 on deposit, or your payment is dishonored by your financial institution for any reason, then you will be assessed an NSF fee of $25. If any payment is late by more than fifteen days after the due date, then you will be assessed an additional $30 late fee.

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