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Installment Loan FAQ

Utah Installment Loan FAQ

How do I qualify for a Loan?

To qualify for a loan simply bring written verification of your income (your paystub awards letter etc.), a check from your open and active checking account, your most recent bank statement and your photo ID.

How much can I borrow?

Within the state of Utah you can borrow any principal amount as long as your monthly payment does not exceed 1/3 of your monthly-net direct deposit amount.

What Is The Origination Fee?

The origination fee is equal to 5% of the principal loan amount. This 5% will be added to the loan as principal. On the contract the total loan amount will be shown as the principal amount requested by you, the customer plus the 5% origination fee. It will then be broken up as an amount paid to the customer and as an amount paid for the origination fee.

Can I Pay Off My Loan Early?

Yes, a customer may choose to pay off their loan early using Cash, Debit, Credit, or ACH. If the customer wishes to rescind an installment loan it must be paid off with cash. There are no penalties for paying off a loan early. However the 5% origination fee is non-refundable.

Can I Make Extra Payments Towards The Principal?

Yes, a customer can make payments towards their principal at any time. Keep in mind that if the customer comes in and makes a payment on their installment loan and the payment is not larger than the scheduled payment, this will reduce the scheduled ACH payment by that same amount.

Colorado Installment Loan FAQ

How do I qualify for a Loan?

To qualify for a loan simply bring written verification of your income (your paystub awards letter etc.), a check from your open and active checking account, your most recent bank statement and your photo ID.

How much can I borrow?

In most cases you can borrow up to 25% of Gross Monthly Income. However, state specific laws and other factors may affect your credit limit. For more information please check the Annual Percentage Rate Disclosure for your state.

How do I pay back a small loan?

Payments are set up for six substantially equal installments, starting one month (31 days) from the date you take out the loan. Payments can be made in person with cash, credit*, debit*, or check. Payments may also be made via Electronic Funds Transfer (EFT) through ACH or over the phone using a debit or credit card. *Certain conditions and restrictions may apply. Please contact a Customer Service Representative at (866) 258-4672 for details.

What will a small loan cost?

Please check out our Colorado Deferred Deposit Transaction Rates and Terms page for more information.

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