Rates and Terms
The Most Popular Types of Installment Loans
Terms of your loan will vary based on the amount of the loan and the period of time to repay. Other factors may include the state you live in, your source of income, and your repayment history. Please contact your lender directly for questions regarding your loan.
Short-Term Loan
Typically, the APRs for most loans can range between 261% to 1304% based on many different factors including, but not limited to: loan amount, loan duration, credit scoring, and state of residence.
Below is a representation of the typical APR range you can expect to see.
Maximum Loan Amount
$100 – $1,000+
Term
14 days – 24 months
Payment Frequency
Ranges between weekly, bi-weekly, monthly, or bi-monthly.
Annual Percentage Rate (APR)
Typically between 261% – 1304%
Prepayment Penalty
None
Sample Table of Loan Rates and Terms
| Payment Number | Beginning Principal ($) | Finance Charge ($) | Payment Due ($) | Ending Principal ($) |
|---|---|---|---|---|
| 1 | 300 | 90 | 90 | 300 |
| 2 | 300 | 90 | 90 | 300 |
| 3 | 300 | 90 | 90 | 300 |
| 4 | 300 | 90 | 90 | 300 |
| 5 | 300 | 90 | 120 | 270 |
| 6 | 270 | 81 | 111 | 240 |
| 7 | 240 | 72 | 102 | 210 |
| 8 | 210 | 63 | 93 | 180 |
| 9 | 180 | 54 | 84 | 150 |
| 10 | 150 | 45 | 75 | 120 |
| 11 | 120 | 36 | 66 | 90 |
| 12 | 90 | 27 | 57 | 60 |
| 13 | 60 | 18 | 48 | 30 |
| 14 | 30 | 9 | 39 | 0 |
| Term (Days) | APR (%) | 200 | 250 | 300 | 350 | 400 | 450 | 500 | 550 | 600 | 650 | 700 | 750 | 800 | 850 | 900 | 950 | 1,000 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 8 | 1368.75 | 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 | 255.00 | 270.00 | 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 | 255.00 | 270.00 | 285.00 | 300.00 |
| 30 | 730.00 | 120.00 | 150.00 | 180.00 | 210.00 | 240.00 | 270.00 | 300.00 | 330.00 | 360.00 | 390.00 | 420.00 | 450.00 | 480.00 | 510.00 | 540.00 | 570.00 | 600.00 |
| 60 | 547.50 | 180.00 | 225.00 | 270.00 | 315.00 | 360.00 | 405.00 | 450.00 | 495.00 | 540.00 | 585.00 | 630.00 | 675.00 | 720.00 | 765.00 | 810.00 | 855.00 | 900.00 |
| 90 | 486.67 | 240.00 | 300.00 | 360.00 | 420.00 | 480.00 | 540.00 | 600.00 | 660.00 | 720.00 | 780.00 | 840.00 | 900.00 | 960.00 | 1,020.00 | 1,080.00 | 1,140.00 | 1,200.00 |
| 120 | 456.25 | 300.00 | 375.00 | 450.00 | 525.00 | 600.00 | 675.00 | 750.00 | 825.00 | 900.00 | 975.00 | 1,050.00 | 1,125.00 | 1,200.00 | 1,275.00 | 1,350.00 | 1,425.00 | 1,500.00 |
| 150 | 430.70 | 354.00 | 442.50 | 531.00 | 619.50 | 708.00 | 796.50 | 885.00 | 973.50 | 1,062.00 | 1,150.50 | 1,239.00 | 1,327.50 | 1,416.00 | 1,504.50 | 1,593.00 | 1,681.50 | 1,770.00 |
| 180 | 407.58 | 402.00 | 502.50 | 603.00 | 703.50 | 804.00 | 904.50 | 1,005.00 | 1,105.50 | 1,206.00 | 1,306.50 | 1,407.00 | 1,507.50 | 1,608.00 | 1,708.50 | 1,809.00 | 1,909.50 | 2,010.00 |
| 210 | 385.86 | 444.00 | 555.00 | 666.00 | 777.00 | 888.00 | 999.00 | 1,110.00 | 1,221.00 | 1,332.00 | 1,443.00 | 1,554.00 | 1,665.00 | 1,776.00 | 1,887.00 | 1,998.00 | 2,109.00 | 2,220.00 |
| 240 | 365.00 | 480.00 | 600.00 | 720.00 | 840.00 | 960.00 | 1,080.00 | 1,200.00 | 1,320.00 | 1,440.00 | 1,560.00 | 1,680.00 | 1,800.00 | 1,920.00 | 2,040.00 | 2,160.00 | 2,280.00 | 2,400.00 |
| 270 | 344.72 | 510.00 | 637.50 | 765.00 | 892.50 | 1,020.00 | 1,147.50 | 1,275.00 | 1,402.50 | 1,530.00 | 1,657.50 | 1,785.00 | 1,912.50 | 2,040.00 | 2,167.50 | 2,295.00 | 2,422.50 | 2,550.00 |
| 300 | 324.85 | 534.00 | 667.50 | 801.00 | 934.50 | 1,068.00 | 1,201.50 | 1,335.00 | 1,468.50 | 1,602.00 | 1,735.50 | 1,869.00 | 2,002.50 | 2,136.00 | 2,269.50 | 2,403.00 | 2,536.50 | 2,670.00 |
| 330 | 305.27 | 552.00 | 690.00 | 828.00 | 966.00 | 1,104.00 | 1,242.00 | 1,380.00 | 1,518.00 | 1,656.00 | 1,794.00 | 1,932.00 | 2,070.00 | 2,208.00 | 2,346.00 | 2,484.00 | 2,622.00 | 2,760.00 |
| 360 | 285.92 | 564.00 | 705.00 | 846.00 | 987.00 | 1,128.00 | 1,269.00 | 1,410.00 | 1,551.00 | 1,692.00 | 1,833.00 | 1,974.00 | 2,115.00 | 2,256.00 | 2,397.00 | 2,538.00 | 2,679.00 | 2,820.00 |
| 365 | 285.00 | 570.00 | 712.50 | 855.00 | 997.50 | 1,140.00 | 1,282.50 | 1,425.00 | 1,567.50 | 1,710.00 | 1,852.50 | 1,995.00 | 2,137.50 | 2,280.00 | 2,422.50 | 2,565.00 | 2,707.50 | 2,850.00 |
| Term (Days) | APR (%) | 200 | 250 | 300 | 350 | 400 | 450 | 500 | 550 | 600 | 650 | 700 | 750 | 800 | 850 | 900 | 950 | 1,000 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 8 | 1231.88 | 54.00 | 67.50 | 81.00 | 94.50 | 108.00 | 121.50 | 135.00 | 148.50 | 162.00 | 175.50 | 189.00 | 202.50 | 216.00 | 229.50 | 243.00 | 256.50 | 270.00 |
| 15 | 657.00 | 54.00 | 67.50 | 81.00 | 94.50 | 108.00 | 121.50 | 135.00 | 148.50 | 162.00 | 175.50 | 189.00 | 202.50 | 216.00 | 229.50 | 243.00 | 256.50 | 270.00 |
| 30 | 657.00 | 108.00 | 135.00 | 162.00 | 189.00 | 216.00 | 243.00 | 270.00 | 297.00 | 324.00 | 351.00 | 378.00 | 405.00 | 432.00 | 459.00 | 486.00 | 513.00 | 540.00 |
| 60 | 492.75 | 162.00 | 202.50 | 243.00 | 283.50 | 324.00 | 364.50 | 405.00 | 445.50 | 486.00 | 526.50 | 567.00 | 607.50 | 648.00 | 688.50 | 729.00 | 769.50 | 810.00 |
| 90 | 438.00 | 216.00 | 270.00 | 324.00 | 378.00 | 432.00 | 486.00 | 540.00 | 594.00 | 648.00 | 702.00 | 756.00 | 810.00 | 864.00 | 918.00 | 972.00 | 1,026.00 | 1,080.00 |
| 120 | 410.63 | 270.00 | 337.50 | 405.00 | 472.50 | 540.00 | 607.50 | 675.00 | 742.50 | 810.00 | 877.50 | 945.00 | 1,012.50 | 1,080.00 | 1,147.50 | 1,215.00 | 1,282.50 | 1,350.00 |
| 150 | 387.63 | 318.60 | 398.25 | 477.90 | 557.55 | 637.20 | 716.85 | 796.50 | 876.15 | 955.80 | 1,035.45 | 1,115.10 | 1,194.75 | 1,274.40 | 1,354.05 | 1,433.70 | 1,513.35 | 1,593.00 |
| 180 | 366.83 | 361.80 | 452.25 | 542.70 | 633.15 | 723.60 | 814.05 | 904.50 | 994.95 | 1,085.40 | 1,175.85 | 1,266.30 | 1,356.75 | 1,447.20 | 1,537.65 | 1,628.10 | 1,718.55 | 1,809.00 |
| 210 | 347.27 | 399.60 | 499.50 | 599.40 | 699.30 | 799.20 | 899.10 | 999.00 | 1,098.90 | 1,198.80 | 1,298.70 | 1,398.60 | 1,498.50 | 1,598.40 | 1,698.30 | 1,798.20 | 1,898.10 | 1,998.00 |
| 240 | 328.50 | 432.00 | 540.00 | 648.00 | 756.00 | 864.00 | 972.00 | 1,080.00 | 1,188.00 | 1,296.00 | 1,404.00 | 1,512.00 | 1,620.00 | 1,728.00 | 1,836.00 | 1,944.00 | 2,052.00 | 2,160.00 |
| 270 | 310.25 | 459.00 | 573.75 | 688.50 | 803.25 | 918.00 | 1,032.75 | 1,147.50 | 1,262.25 | 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 |
| 300 | 292.37 | 480.60 | 600.75 | 720.90 | 841.05 | 961.20 | 1,081.35 | 1,201.50 | 1,321.65 | 1,441.80 | 1,561.95 | 1,682.10 | 1,802.25 | 1,922.40 | 2,042.55 | 2,162.70 | 2,282.85 | 2,403.00 |
| 330 | 274.75 | 496.80 | 621.00 | 745.20 | 869.40 | 993.60 | 1,117.80 | 1,242.00 | 1,366.20 | 1,490.40 | 1,614.60 | 1,738.80 | 1,863.00 | 1,987.20 | 2,111.40 | 2,235.60 | 2,359.80 | 2,484.00 |
| 360 | 257.33 | 507.60 | 634.50 | 761.40 | 888.30 | 1,015.20 | 1,142.10 | 1,269.00 | 1,395.90 | 1,522.80 | 1,649.70 | 1,776.60 | 1,903.50 | 2,030.40 | 2,157.30 | 2,284.20 | 2,411.10 | 2,538.00 |
| 365 | 256.50 | 513.00 | 641.25 | 769.50 | 897.75 | 1,026.00 | 1,154.25 | 1,282.50 | 1,410.75 | 1,539.00 | 1,667.25 | 1,795.50 | 1,923.75 | 2,052.00 | 2,180.25 | 2,308.50 | 2,436.75 | 2,565.00 |
| Term (Days) | APR (%) | 200 | 250 | 300 | 350 | 400 | 450 | 500 | 550 | 600 | 650 | 700 | 750 | 800 | 850 | 900 | 950 | 1,000 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 8 | 1049.38 | 46.00 | 57.50 | 69.00 | 80.50 | 92.00 | 103.50 | 115.00 | 126.50 | 138.00 | 149.50 | 161.00 | 172.50 | 184.00 | 195.50 | 207.00 | 218.50 | 230.00 |
| 15 | 559.67 | 46.00 | 57.50 | 69.00 | 80.50 | 92.00 | 103.50 | 115.00 | 126.50 | 138.00 | 149.50 | 161.00 | 172.50 | 184.00 | 195.50 | 207.00 | 218.50 | 230.00 |
| 30 | 559.67 | 92.00 | 115.00 | 138.00 | 161.00 | 184.00 | 207.00 | 230.00 | 253.00 | 276.00 | 299.00 | 322.00 | 345.00 | 368.00 | 391.00 | 414.00 | 437.00 | 460.00 |
| 60 | 419.75 | 138.00 | 172.50 | 207.00 | 241.50 | 276.00 | 310.50 | 345.00 | 379.50 | 414.00 | 448.50 | 483.00 | 517.50 | 552.00 | 586.50 | 621.00 | 655.50 | 690.00 |
| 90 | 373.11 | 184.00 | 230.00 | 276.00 | 322.00 | 368.00 | 414.00 | 460.00 | 506.00 | 552.00 | 598.00 | 644.00 | 690.00 | 736.00 | 782.00 | 828.00 | 874.00 | 920.00 |
| 120 | 349.79 | 230.00 | 287.50 | 345.00 | 402.50 | 460.00 | 517.50 | 575.00 | 632.50 | 690.00 | 747.50 | 805.00 | 862.50 | 920.00 | 977.50 | 1,035.00 | 1,092.50 | 1,150.00 |
| 150 | 330.20 | 271.40 | 339.25 | 407.10 | 474.95 | 542.80 | 610.65 | 678.50 | 746.35 | 814.20 | 882.05 | 949.90 | 1,017.75 | 1,085.60 | 1,153.45 | 1,221.30 | 1,289.15 | 1,357.00 |
| 180 | 312.48 | 308.20 | 385.25 | 462.30 | 539.35 | 616.40 | 693.45 | 770.50 | 847.55 | 924.60 | 1,001.65 | 1,078.70 | 1,155.75 | 1,232.80 | 1,309.85 | 1,386.90 | 1,463.95 | 1,541.00 |
| 210 | 295.82 | 340.40 | 425.50 | 510.60 | 595.70 | 680.80 | 765.90 | 851.00 | 936.10 | 1,021.20 | 1,106.30 | 1,191.40 | 1,276.50 | 1,361.60 | 1,446.70 | 1,531.80 | 1,616.90 | 1,702.00 |
| 240 | 279.83 | 368.00 | 460.00 | 552.00 | 644.00 | 736.00 | 828.00 | 920.00 | 1,012.00 | 1,104.00 | 1,196.00 | 1,288.00 | 1,380.00 | 1,472.00 | 1,564.00 | 1,656.00 | 1,748.00 | 1,840.00 |
| 270 | 264.29 | 391.00 | 488.75 | 586.50 | 684.25 | 782.00 | 879.75 | 977.50 | 1,075.25 | 1,173.00 | 1,270.75 | 1,368.50 | 1,466.25 | 1,564.00 | 1,661.75 | 1,759.50 | 1,857.25 | 1,955.00 |
| 300 | 249.05 | 409.40 | 511.75 | 614.10 | 716.45 | 818.80 | 921.15 | 1,023.50 | 1,125.85 | 1,228.20 | 1,330.55 | 1,432.90 | 1,535.25 | 1,637.60 | 1,739.95 | 1,842.30 | 1,944.65 | 2,047.00 |
| 330 | 234.04 | 423.20 | 529.00 | 634.80 | 740.60 | 846.40 | 952.20 | 1,058.00 | 1,163.80 | 1,269.60 | 1,375.40 | 1,481.20 | 1,587.00 | 1,692.80 | 1,798.60 | 1,904.40 | 2,010.20 | 2,116.00 |
| 360 | 219.20 | 432.40 | 540.50 | 648.60 | 756.70 | 864.80 | 972.90 | 1,081.00 | 1,189.10 | 1,297.20 | 1,405.30 | 1,513.40 | 1,621.50 | 1,729.60 | 1,837.70 | 1,945.80 | 2,053.90 | 2,162.00 |
| 365 | 218.50 | 437.00 | 546.25 | 655.50 | 764.75 | 874.00 | 983.25 | 1,092.50 | 1,201.75 | 1,311.00 | 1,420.25 | 1,529.50 | 1,638.75 | 1,748.00 | 1,857.25 | 1,966.50 | 2,075.75 | 2,185.00 |
| Term (Days) | APR (%) | 200 | 250 | 300 | 350 | 400 | 450 | 500 | 550 | 600 | 650 | 700 | 750 | 800 | 850 | 900 | 950 | 1,000 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 8 | 912.50 | 40.00 | 50.00 | 60.00 | 70.00 | 80.00 | 90.00 | 100.00 | 110.00 | 120.00 | 130.00 | 140.00 | 150.00 | 160.00 | 170.00 | 180.00 | 190.00 | 200.00 |
| 15 | 486.67 | 40.00 | 50.00 | 60.00 | 70.00 | 80.00 | 90.00 | 100.00 | 110.00 | 120.00 | 130.00 | 140.00 | 150.00 | 160.00 | 170.00 | 180.00 | 190.00 | 200.00 |
| 30 | 486.67 | 80.00 | 100.00 | 120.00 | 140.00 | 160.00 | 180.00 | 200.00 | 220.00 | 240.00 | 299.00 | 280.00 | 300.00 | 320.00 | 340.00 | 360.00 | 380.00 | 400.00 |
| 60 | 365.00 | 120.00 | 150.00 | 180.00 | 210.00 | 240.00 | 270.00 | 300.00 | 330.00 | 360.00 | 448.50 | 420.00 | 450.00 | 480.00 | 510.00 | 540.00 | 570.00 | 600.00 |
| 90 | 324.44 | 160.00 | 200.00 | 240.00 | 280.00 | 320.00 | 360.00 | 400.00 | 440.00 | 480.00 | 598.00 | 560.00 | 600.00 | 640.00 | 680.00 | 720.00 | 760.00 | 800.00 |
| 120 | 304.17 | 200.00 | 250.00 | 300.00 | 350.00 | 400.00 | 450.00 | 500.00 | 550.00 | 600.00 | 747.50 | 700.00 | 750.00 | 800.00 | 850.00 | 900.00 | 950.00 | 1,000.00 |
| 150 | 287.13 | 236.00 | 295.00 | 354.00 | 413.00 | 472.00 | 531.00 | 590.00 | 649.00 | 708.00 | 882.05 | 826.00 | 885.00 | 944.00 | 1,003.00 | 1,062.00 | 1,121.00 | 1,180.00 |
| 180 | 271.72 | 268.00 | 335.00 | 402.00 | 469.00 | 536.00 | 603.00 | 670.00 | 737.00 | 804.00 | 1,001.65 | 938.00 | 1,005.00 | 1,072.00 | 1,139.00 | 1,206.00 | 1,273.00 | 1,340.00 |
| 210 | 257.24 | 296.00 | 370.00 | 444.00 | 518.00 | 592.00 | 666.00 | 740.00 | 814.00 | 888.00 | 1,106.30 | 1,036.00 | 1,110.00 | 1,184.00 | 1,258.00 | 1,332.00 | 1,406.00 | 1,480.00 |
| 240 | 243.33 | 320.00 | 400.00 | 480.00 | 560.00 | 640.00 | 720.00 | 800.00 | 880.00 | 960.00 | 1,196.00 | 1,120.00 | 1,200.00 | 1,280.00 | 1,360.00 | 1,440.00 | 1,520.00 | 1,600.00 |
| 270 | 229.81 | 340.00 | 425.00 | 510.00 | 595.00 | 680.00 | 765.00 | 850.00 | 935.00 | 1,020.00 | 1,270.75 | 1,190.00 | 1,275.00 | 1,360.00 | 1,445.00 | 1,530.00 | 1,615.00 | 1,700.00 |
| 300 | 216.57 | 356.00 | 445.00 | 534.00 | 623.00 | 712.00 | 801.00 | 890.00 | 979.00 | 1,068.00 | 1,157.00 | 1,246.00 | 1,335.00 | 1,424.00 | 1,513.00 | 1,602.00 | 1,691.00 | 1,780.00 |
| 330 | 203.52 | 368.00 | 460.00 | 552.00 | 644.00 | 736.00 | 828.00 | 920.00 | 1,012.00 | 1,104.00 | 1,196.00 | 1,288.00 | 1,380.00 | 1,472.00 | 1,564.00 | 1,656.00 | 1,748.00 | 1,840.00 |
| 360 | 190.61 | 376.00 | 470.00 | 564.00 | 658.00 | 752.00 | 846.00 | 940.00 | 1,034.00 | 1,128.00 | 1,222.00 | 1,316.00 | 1,410.00 | 1,504.00 | 1,598.00 | 1,692.00 | 1,786.00 | 1,880.00 |
| 365 | 190.00 | 380.00 | 475.00 | 570.00 | 665.00 | 760.00 | 855.00 | 950.00 | 1,045.00 | 1,140.00 | 1,235.00 | 1,330.00 | 1,425.00 | 1,520.00 | 1,615.00 | 1,710.00 | 1,805.00 | 1,900.00 |
* 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.