|
 |
DISCLOSURE
Warning: This
loan is intended to address short-term NOT long-term needs.
Repeated or frequent use can create serious financial
hardships. You should evaluate the costs and benefits
of all alternatives before borrowing.
YOUR
RIGHTS UNDER CALIFORNIA LAW
No
payday loan company may accept collateral in exchange
for a payday loan. You
should not sign any agreement allowing the garnishment
of wages if you fail to pay.
No criminal action can be taken against you for
not paying your loan. However, you can be sued
in civil court, receive a court ordered judgment, be sent
to collections, have non-payment reported to major credit
bureaus (damaging your credit history) until you make
full repayment.
MASTER AGREEMENTS
Our
master agreement is available for you to download and
print.
PENALTIES
You
will be assessed a fee of $15.00 for each returned item
or failed attempts to debit your bank account for the
payment due.
FEE SCHEDULE
Loan
Amount |
Fee |
Repayment
Amount |
$100 |
$15 |
$115 |
$150 |
$22.50 |
$172.50 |
$200 |
$30 |
$230 |
$250 |
$37.50 |
$287.50 |
$260 |
$39 |
$299 |
ANNUAL PERCENTAGE RATE SCHEDULE
Days |
APR |
Days |
APR |
5 |
730.00% |
18 |
202.78% |
6 |
608.33% |
19 |
192.11% |
7 |
521.43% |
20 |
182.50% |
8 |
456.25% |
21 |
173.81% |
9 |
405.56% |
22 |
165.91% |
10 |
365.00% |
23 |
158.70% |
11 |
331.82% |
24 |
152.08% |
12 |
304.17% |
25 |
146.00% |
13 |
280.77% |
26 |
140.38% |
14 |
260.71% |
27 |
135.19% |
15 |
243.33% |
28 |
130.36% |
16 |
228.13% |
29 |
125.86% |
17 |
214.71% |
30 |
121.67% |
REQUIRED DOCUMENTS
- Personal
check with your name printed on it.
- Copy
of two (2) most recent paychecks or paycheck
stubs.
- Copy
of most recent checking account statement (must
be dated within the last 45 days).
- Drivers
license or other valid Federal or State photo
I.D.
- Copy
of a recent utility bill (i.e. phone, gas, electric,
etc.).
- Completed
and signed Deferred Deposit Agreement and Disclosure
Statement. (phone applications only)
|
|
|
 |
|
|
