Rates and Terms
WHAT DOES IT COST?
Fees are calculated the same way with every loan. Your Annual Percentage Rate may fluctuate depending on how often you get paid, and the amount of days until your next pay date. Please see the chart below to view variations.
We can deposit your payday loan directly into your bank account within one business day of receiving your application. No payments are required until your next pay date. Our fees are consistently lower than most bank overdraft fees, or bounced check fees. Please remember to always use Payday Advances responsibly, and make sure you completely understand the terms of your loan before signing your documents.
|
Fee Schedule |
Single Payment Loan - Samples |
|
Term in Days |
Annual Percentage Rate |
Loan Amount $200 |
Loan Amount $250 |
Loan Amount $300 |
Loan Amount $350 |
|
|
|
Finance Charge |
Scheduled Payback |
Finance Charge |
Scheduled Payback |
Finance Charge |
Scheduled Payback |
Finance Charge |
Scheduled Payback |
|
4 |
2737.50% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
5 |
2190.00% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
6 |
1825.00% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
7 |
1564.29% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
8 |
1368.75% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
9 |
1216.67% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
10 |
1095.00% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
11 |
995.45% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
12 |
912.50% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
13 |
842.31% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
14 |
782.14% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
15 |
730.00% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
16 |
684.38% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
17 |
644.12% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
18 |
608.33% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
19 |
576.32% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
20 |
547.50% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
21 |
521.43% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
22 |
497.73% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
23 |
476.09% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
24 |
456.25% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
25 |
438.00% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
26 |
421.15% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
27 |
405.56% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
28 |
391.07% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
29 |
377.59% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
30 |
365.00% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
|
31 |
353.23% |
$60.00 |
$260.00 |
$75.00 |
$325.00 |
$90.00 |
$390.00 |
$105.00 |
$455.00 |
WHEN DO I GET MY MONEY?
We can have the funds deposited into your account within one business day of receiving your application, if weare able to get all of the information that we need right away. Please call to confirm your loan right after submitting.
WHEN DO I REPAY?
Our flexible repayment plans are the best part. The minimum payment will be automatically deducted from your bank account on your pay dates. If you wish to pay more towards your principal balance, or to pay your loan in full, just let us know and we will be happy to make those arrangements with you. Ask one of our friendly customer service agents for more information.