Rates and Terms

The Most Popular Types of Installment Loans

Short-Term Loan

Maximum Loan Amount
$100 – $1,000+
Term
14 days – 24 months
Payment Frequency
Ranges between weekly, bi-weekly, monthly, or bi-monthly.
Annual Percentage Rate (APR)
Typically between 261% – 1304%
Prepayment Penalty
None

Sample Table of Loan Rates and Terms

SAMPLE INSTALLMENT SCHEDULE SAMPLE LOAN TERMS: $300 loan amount, 30% periodic service fee, 10% principal reduction payments starting on payment 5
Payment NumberBeginning Principal ($) Finance Charge ($) Payment Due ($) Ending Principal ($)
130090 90 300
230090 90 300
330090 90 300
430090 90 300
530090 120 270
6270 81 111 240
7240 72 102 210
8210 63 93 180
9180 54 84 150
10150 45 75 120
11120 36 66 90
1290 275760
136018 48 30
1430 9 39 0
Loan Amount and Service Fee at 30% periodic service fee ($)
Term (Days) APR (%)200 250 300 350 400 450500 550 600650 700 750 800 850 900 950 1,000
8 1368.75 60.00 75.00 90.00 105.00120.00 135.00 150.00 165.00180.00 195.00210.00225.00240.00255.00270.00 285.00 300.00
15 730.00 60.00 75.00 90.00 105.00 120.00 135.00 150.00 165.00 180.00 195.00 210.00 225.00 240.00 255.00270.00 285.00 300.00
30730.00120.00150.00 180.00 210.00240.00270.00300.00 330.00360.00 390.00 420.00 450.00480.00510.00 540.00570.00600.00
60547.50180.00 225.00 270.00 315.00 360.00 405.00 450.00495.00 540.00 585.00 630.00 675.00720.00 765.00810.00855.00900.00
90486.67 240.00 300.00360.00 420.00480.00540.00600.00 660.00720.00780.00840.00900.00 960.001,020.001,080.00 1,140.00 1,200.00
120456.25 300.00 375.00450.00525.00 600.00675.00 750.00 825.00900.00975.00 1,050.001,125.00 1,200.001,275.001,350.00 1,425.001,500.00
150430.70 354.00442.50531.00 619.50 708.00796.50 885.00973.501,062.001,150.50 1,239.001,327.501,416.00 1,504.501,593.00 1,681.501,770.00
180407.58 402.00 502.50603.00 703.50804.00904.501,005.00 1,105.501,206.001,306.50 1,407.001,507.501,608.001,708.50 1,809.001,909.502,010.00
210385.86 444.00555.00 666.00777.00 888.00999.001,110.001,221.001,332.001,443.001,554.001,665.001,776.001,887.001,998.002,109.002,220.00
240365.00480.00600.00720.00840.00960.001,080.001,200.001,320.001,440.001,560.001,680.001,800.001,920.002,040.00 2,160.002,280.002,400.00
270344.72 510.00637.50765.00 892.501,020.001,147.501,275.001,402.50 1,530.001,657.501,785.00 1,912.502,040.00 2,167.502,295.002,422.502,550.00
300324.85534.00667.50801.00934.50 1,068.001,201.501,335.001,468.501,602.001,735.501,869.002,002.502,136.002,269.502,403.00 2,536.502,670.00
330305.27 552.00690.00828.00966.001,104.001,242.00 1,380.001,518.00 1,656.001,794.001,932.002,070.002,208.002,346.002,484.002,622.002,760.00
360285.92564.00705.00846.00 987.001,128.001,269.00 1,410.00 1,551.001,692.001,833.001,974.002,115.00 2,256.00 2,397.002,538.002,679.002,820.00
365285.00 570.00712.50855.00997.501,140.001,282.501,425.001,567.501,710.001,852.501,995.002,137.502,280.002,422.502,565.002,707.502,850.00
Loan Amount and Finance Charge at 27% periodic service fee ($)
Term (Days) APR (%)200 250 300 350 400 450500 550 600650 700 750 800 850 900 950 1,000
8 1231.88 54.0067.5081.0094.50108.00 121.50 135.00 148.50162.00175.50 189.00202.50216.00 229.50 243.00 256.50 270.00
15 657.00 54.0067.50 81.00 94.50 108.00 121.50 135.00 148.50162.00175.50 189.00202.50216.00 229.50 243.00 256.50 270.00
30657.00 108.00135.00 162.00 189.00 216.00 243.00 270.00297.00324.00 351.00 378.00 405.00432.00 459.00486.00 513.00540.00
60492.75 162.00202.50243.00283.50324.00 364.50 405.00445.50 486.00 526.50567.00 607.50648.00 688.50 729.00 769.50 810.00
90438.00 216.00270.00 324.00378.00 432.00486.00540.00594.00648.00702.00756.00810.00 864.00918.00972.00 1,026.00 1,080.00
120410.63 270.00337.50 405.00472.50 540.00 607.50675.00742.50 810.00 877.50 945.00 1,012.50 1,080.00 1,147.501,215.00 1,282.501,350.00
150387.63 318.60 398.25 477.90557.55637.20 716.85796.50876.15955.80 1,035.45 1,115.101,194.75 1,274.40 1,354.051,433.70 1,513.351,593.00
180366.83 361.80452.25542.70633.15723.60814.05904.50994.95 1,085.40 1,175.851,266.301,356.751,447.201,537.65 1,628.10 1,718.551,809.00
210347.27 399.60499.50 599.40699.30 799.20899.10999.001,098.901,198.801,298.701,398.60 1,498.501,598.401,698.301,798.201,898.101,998.00
240328.50 432.00 540.00648.00756.00864.00972.00 1,080.001,188.001,296.00 1,404.001,512.001,620.001,728.001,836.001,944.002,052.002,160.00
270310.25 459.00573.75688.50803.25 918.00 1,032.751,147.501,262.25 1,377.00 1,491.75 1,606.50 1,721.25 1,836.00 1,950.75 2,065.50 2,180.25 2,295.00
300292.37 480.60600.75720.90841.05961.201,081.351,201.501,321.65 1,441.801,561.951,682.101,802.251,922.402,042.552,162.702,282.852,403.00
330274.75496.80621.00745.20869.40993.601,117.801,242.001,366.201,490.401,614.601,738.801,863.001,987.20 2,111.402,235.60 2,359.802,484.00
360257.33507.60634.50761.40888.301,015.201,142.10 1,269.00 1,395.901,522.801,649.701,776.601,903.502,030.402,157.302,284.202,411.102,538.00
365256.50 513.00641.25769.50897.751,026.00 1,154.25 1,282.501,410.75 1,539.001,667.25 1,795.501,923.752,052.002,180.252,308.502,436.752,565.00
Loan Amount and Finance Charge at 23% periodic service fee ($)
Term (Days) APR (%)200 250 300 350 400 450500 550 600650 700 750 800 850 900 950 1,000
8 1049.3846.0057.5069.0080.5092.00103.50115.00126.50138.00149.50 161.00172.50184.00195.50207.00218.50230.00
15 559.6746.0057.50 69.0080.5092.00103.50115.00126.50138.00149.50 161.00172.50184.00195.50207.00218.50230.00
30559.67 92.00115.00138.00 161.00 184.00207.00230.00253.00276.00299.00322.00 345.00368.00391.00414.00437.00 460.00
60419.75138.00 172.50207.00241.50 276.00310.50345.00 379.50 414.00448.50 483.00517.50552.00586.50621.00 655.50690.00
90373.11 184.00230.00276.00322.00368.00 414.00460.00506.00552.00 598.00644.00690.00736.00782.00 828.00874.00920.00
120349.79 230.00287.50345.00402.50 460.00517.50575.00 632.50690.00 747.50805.00862.50920.00977.501,035.001,092.501,150.00
150330.20271.40339.25407.10474.95542.80610.65678.50746.35814.20882.05 949.901,017.751,085.60 1,153.451,221.301,289.151,357.00
180312.48308.20385.25462.30539.35616.40693.45770.50847.55924.60 1,001.651,078.701,155.751,232.801,309.851,386.90 1,463.951,541.00
210295.82340.40425.50510.60595.70680.80765.90851.00936.101,021.201,106.301,191.401,276.501,361.60 1,446.701,531.801,616.901,702.00
240279.83 368.00 460.00 552.00644.00 736.00 828.00920.001,012.001,104.001,196.001,288.001,380.001,472.001,564.001,656.001,748.001,840.00
270264.29391.00488.75586.50684.25782.00879.75977.501,075.251,173.001,270.751,368.501,466.251,564.001,661.751,759.501,857.251,955.00
300249.05409.40511.75614.10716.45818.80921.151,023.501,125.851,228.201,330.55 1,432.901,535.251,637.601,739.951,842.301,944.652,047.00
330234.04423.20529.00634.80740.60846.40 952.201,058.001,163.801,269.601,375.401,481.201,587.001,692.801,798.601,904.402,010.202,116.00
360219.20432.40540.50648.60756.70864.80972.901,081.001,189.101,297.201,405.301,513.401,621.501,729.601,837.701,945.802,053.902,162.00
365218.50437.00546.25655.50764.75874.00983.251,092.501,201.751,311.001,420.251,529.501,638.751,748.001,857.251,966.502,075.752,185.00
Loan Amount and Finance Charge at 23% periodic service fee ($)
Term (Days) APR (%)200 250 300 350 400 450500 550 600650 700 750 800 850 900 950 1,000
8 912.5040.0050.0060.0070.0080.0090.00 100.00110.00120.00130.00140.00150.00160.00170.00180.00190.00200.00
15 486.6740.0050.0060.0070.0080.0090.00 100.00110.00120.00130.00140.00150.00160.00170.00180.00190.00200.00
30486.6780.00100.00120.00140.00160.00180.00200.00220.00240.00299.00280.00300.00320.00340.00360.00380.00400.00
60365.00120.00150.00180.00210.00240.00270.00300.00330.00360.00448.50 420.00450.00480.00510.00540.00570.00600.00
90324.44160.00200.00240.00280.00320.00360.00400.00440.00480.00 598.00560.00600.00640.00680.00720.00760.00800.00
120304.17200.00250.00300.00350.00400.00450.00500.00550.00600.00747.50700.00750.00800.00850.00900.00950.001,000.00
150287.13236.00295.00354.00413.00472.00531.00590.00649.00708.00882.05 826.00885.00944.001,003.001,062.001,121.001,180.00
180271.72268.00335.00402.00469.00536.00603.00670.00737.00804.001,001.65938.001,005.001,072.001,139.001,206.00 1,273.001,340.00
210257.24296.00370.00444.00518.00592.00666.00740.00814.00888.001,106.301,036.001,110.001,184.001,258.001,332.001,406.001,480.00
240243.33320.00400.00480.00560.00640.00720.00800.00880.00960.001,196.001,120.001,200.001,280.001,360.001,440.001,520.001,600.00
270229.81340.00425.00510.00595.00680.00765.00850.00935.001,020.001,270.751,190.001,275.001,360.001,445.001,530.001,615.001,700.00
300216.57356.00445.00534.00623.00712.00801.00890.00979.001,068.001,157.001,246.001,335.001,424.001,513.001,602.001,691.001,780.00
330203.52368.00460.00552.00644.00736.00828.00920.001,012.001,104.001,196.001,288.001,380.001,472.001,564.001,656.001,748.001,840.00
360190.61376.00470.00564.00658.00752.00846.00940.001,034.001,128.001,222.001,316.001,410.001,504.001,598.001,692.001,786.001,880.00
365190.00380.00475.00570.00665.00760.00855.00950.001,045.001,140.001,235.001,330.001,425.001,520.001,615.001,710.001,805.001,900.00

* Most short-term loans require repayment within 14 days or on your next pay date. Loan extensions, also called “renewals” or “rollovers” often entail payment of the Finance Cost as a minimum payment and will incur an additional Finance Cost in exchange for another loan term.

** APR is the cost of borrowing money for an entire calendar year. Short-term loans are never intended to be used for this period of time; and we encourage other loan products to meet your financial needs.

*** Simple interest is calculated only on the current principal amount of the loan and is not compounded over multiple time periods.

**** A Short-Term Consumer Loan is designed to help consumer borrowers meet their short-term financial emergencies and is not intended to meet their long-term financial needs.