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Annual Percentage Rate/Fee Schedule

Loan Amounts

In Utah, the minimum loan amount is $100.00.
The maximum pending loan amount is no limit.
Based on your income and other factors, loan limits will be determined on an individual basis.

Loan Cost

The cost of a loan is $20.00 per $100 borrowed.
The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below).

Additional Information

Your Right to Rescind (cancel) this loan – A borrower has the right to rescind the payday loan on or before five pm of the next business day following the loan transaction. To rescind your loan you must email or fax us written notice of your intent to rescind, along with written authorization to effect a debit entry to your Bank Account for the principal amount of the loan.

Example APR and Fee Schedule

The table below shows the Annual Percentage Rate (“APR”) and Finance Charge for various loan amounts.

Loan Renewals/Extensions

If you do not want to repay your loan on the due date you may extend your loan until your next payday.We encourage taking advantage of the option to make a partial payment on the loan balance when requesting an extension. There is no penalty for paying down a balance and depending on your state, doing so may result in a reduction of fees charged.Extension requests must be received by 7:00 PM Mountain Time on the business day before your loan is due.

When a loan is extended, the accrued interest will be withdrawn from your bank account on the current due date. Additional interest will then begin to accrue at the same rate as the original loan.

When your extended loan becomes due, we will electronically deduct the loan amount and the accrued interest from your bank account.

In Utah, you may extend/roll-over your loan for the lessor of 10 weeks or four extensions.

The total duration of the loan, including extensions, may not exceed 70 days from the origination date of the loan.

Regulated by the Department of Financial Institutions

Questions or Complaints: For customer service issues please call our customer service telephone number at (866)258-4672. If a problem cannot be resolved by speaking with the lender and the nature of the complaint is something other than a high rate of interest or lack of funds to pay the loan then you may call the Department for regulatory relief, if warranted. Utah residents may contact the Utah State Department of Financial Institutions at (801) 538-8830. Residents of other states may contact the regulatory agencies of the states in which they reside.

Please click here for the Consumer Guide to Payday Lending in Utah


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