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Rates & Terms

Rates and Terms For Utah Residents


Days
Outstanding
 
APR
Loan Amount $
100
200
300
400
500
600
8
9
10
11
12

13
14
15
16
17

18
19
20
21
22

23
24
25
26
27

28
29
30
1368.75%
1216.67%
1095.00%
995.45%
912.50%

842.31%
782.14%
730.00%
684.38%
644.12%

608.33%
576.32%
547.50%
521.43%
497.73%

476.09%
456.25%
438.00%
421.15%
405.56%

391.07%
377.59%
365.00%
30
30
30
30
30

30
30
30
30
30

30
30
30
30
30

30
30
30
30
30

30
30
30
60
60
60
60
60

60
60
60
60
60

60
60
60
60
60

60
60
60
60
60

60
60
60
90
90
90
90
90

90
90
90
90
90

90
90
90
90
90

90
90
90
90
90

90
90
90
120
120
120
120
120

120
120
120
120
120

120
120
120
120
120

120
120
120
120
120

120
120
120
150
150
150
150
150

150
150
150
150
150

150
150
150
150
150

150
150
150
150
150

150
150
150
180
180
180
180
180

180
180
180
180
180

180
180
180
180
180

180
180
180
180
180

180
180
180
Days
Outstanding
 
APR
Loan Amount $
700
800
8
9
10
11
12

13
14
15
16
17

18
19
20
21
22

23
24
25
26
27

28
29
30
1368.75%
1216.67%
1095.00%
995.45%
912.50%

842.31%
782.14%
730.00%
684.38%
644.12%

608.33%
576.32%
547.50%
521.43%
497.73%

476.09%
456.25%
438.00%
421.15%
405.56%

391.07%
377.59%
365.00%
210
210
210
210
210

210
210
210
210
210

210
210
210
210
210

210
210
210
210
210

210
210
210
240
240
240
240
240

240
240
240
240
240

240
240
240
240
240

240
240
240
240
240

240
240
240
 

Governing Law:

The loan agreement will be governed by the applicable laws of Utah.

Complaints and Customer Service

If you have questions or complaints, please contact us at 1-800-351-8820.

Maximum Loan Amount

The maximum loan amount for Utah residents will be $800.00.

Loan Terms

The cost of your cash advance payday loan is dependant on various factors. Cash advance loans are designed for emergency situations when you are short of cash and need money fast! Family emergencies, unexpected car repairs, overdrafts, telephone reconnection and deposits are just some of the urgent cash needs that you may experience.

Your fees are less than the cost of not having the cash you need when you need it—overdraft fees, bounced check charges, taxes, even losing your job because you can’t get to work! Actual fees are determined based on the information you provide when you submit your loan application.

Your cash can be in your bank account the very next business day and you don’t repay until your next paycheck.

  • Your loan will be due on your next payday that falls between 8 to 30 days away.
  • If you are paid by paper check, we will give you a grace period of 1 day to deposit your check.
  • If you are paid monthly, your loan will be due on your next payday that falls between 8 to 30 days away.
  • If your paydates fall outside of these ranges, your loan will be due in 14 days.
  • Maximum loan amount is $800.

Extensions

If you are paid weekly, bi-weekly or twice a month, you may extend your loan a maximum of 4 times by paying an additional fee before the full amount must be satisfied. If you are paid monthly, you may extend your loan a maximum of 2 times by paying an additional fee before the full amount must be satisfied. Maximum term of the loan and all extensions cannot exceed 10 weeks. After paying the minimum interest earned, you will be contracted for an additional loan, for which you will be charged an additional fee. Extension, partial payment, and early payoff requests must be received at least 3 business days prior to your due date. You can request these updates to your loan by logging in to your Member Account. If you need assistance, please contact a Customer Service Representative at 1-800-351-8820 7am to 4pm MST.

Extended Payment Plan Option

If you are not able to make a scheduled payment, you may apply for an extension by contacting us 2 business days before the payment is due. Please, keep in mind, you must pay enough to cover fees incurred. You are free to pay an extra amount to reduce the principal balance.


* Consumer Guide to Payday Lending in Utah *

If a problem cannot be resolved by speaking with the lender and the nature of the complaint is something other than a rate of interest or lack of funds to pay the loan then you may contact the Utah State Department of Financial Institutions at 801 538-8830.


Fees and Charges

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State Certificate

 

Testimonials

Ramona was such a great help to me, she has GREAT Customer Service Skills. She was very informative and made sure I understood all the terms of the loan. I can’t tell you how much stress has been lifted from my shoulders and to have a rep like Ramona was just perfect. I will recommend your company to all my friends.

—Patty S., Pittsburgh, PA.

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