Home » APR Disclosure A SHORT TERM LOAN PROVIDES THE CASH NEEDED TO MEET AN IMMEDIATE SHORT-TERM CASH FLOW PROBLEM. IT IS NOT A SOLUTION FOR LONGER TERM FINANCIAL PROBLEMS FOR WHICH LONGER TERM FINANCING MAY BE MORE APPROPRIATE. YOU MAY WANT TO DISCUSS YOUR FINANCIAL SITUATION WITH A NONPROFIT COUNSELING SERVICE IN YOUR COMMUNITY. YOU WILL BE CHARGED ADDITIONAL FEES IF YOU RENEW THE LOAN. Although payday loans are short-term advances intended to be paid off quickly, various Truth-in-Lending laws require financing disclosures to be expressed as an Annual Percentage Rate (APR), or the cost of the credit advanced to you expressed as an annual rate. This requirement provides uniformity among various credit sources, so you can compare rates and make the choice that is right for you. For the example below we use a $100 loan that is due in 14 days. The APR will not change based upon the amount of time your loan is for. Consequently if you pay later than the agreed upon date, you will owe more interest. There is no refund of interest for early repayment. There are three easy ways to apply: Apply Online Our 800 Number Find a Location
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