APR Disclosure Information

A cash advance is always due on your next payday, at least 5 and at most 16 days away. If your next payday is within 5 days, the loan will be due on your second payday, within 16 days.

A payday loan is a short-term loan, intended to be paid off quickly. A flat fee is charged regardless of when the loan is repaid (maximum loan term of 16 days). The APR therefore varies based on the length of the term of the loan.

Truth-in-Lending laws require that financing disclosures be expressed as an Annual Percentage Rate (APR). This provides a uniform base for comparing different sources of credit and allows you to compare rates so that you can figure out what's best for your needs.

You can use the table below to get your APR disclosure. Select the amount you'll be borrowing and the length of time you will have the loan. Remember that the loan term begins when you receive the funds, not when you apply, so subtract the right amount of time for processing (1 - 3 days) when you count the number of days from the time you make your request to your next payday.

The table gives examples of loans for various amounts and the total cost ("Check Amount") for one payment. If the loan term is shorter than the examples in the table (16, 14, and 7 days), the APR will be higher.

LOAN AMOUNT (Amount Financed)	LOAN TERM: 1 PAYMENT (# of Days)	LOAN FEE (Finance Charge)	CHECK AMOUNT (Total of Payments)	APR
$100.00	16	$25.00	$125.00	506.94%
$100.00	14	$25.00	$125.00	651.79%
$100.00	7	$25.00	$125.00	1303.57%
$200.00	16	$50.00	$250.00	506.94%
$200.00	14	$50.00	$250.00	651.79%
$200.00	7	$50.00	$250.00	1303.57%
$300.00	16	$75.00	$375.00	506.94%
$300.00	14	$75.00	$375.00	651.79%
$300.00	7	$75.00	$375.00	1303.57%