Your loan agreement details your total payments due and your APR. Additionally, your loan agreement includes specific fee information, including any applicable fees for late payments and NSF/returned items. The best way to save on the cost of your loan is to repay the loan as quickly as possible because this will reduce the amount of interest you’ll pay. You can do this by paying more than your scheduled amount, making extra payments, or paying the entire balance off early.
If you choose to make bigger/additional payments, amounts must be in $25 increments. To payoff your balance early, call 1-877-632-4223 and Client Support will assist you with the payment.
Your payment schedule, included in your loan agreement, specifies the dates, amounts and number of payments you agreed to for repaying your loan. Included below is a sample schedule for a $400 loan. Keep in mind that your APR will vary based on the amount and duration of your loan. You can reduce the overall cost of your loan with an early pay-off.
Applications that complete the approval process by 7:00 p.m. EST Monday – Friday, including e-signing loan documents and verbally verifying loan details, can typically be funded the following business day. If you require funds the current business day, you can request a wire transfer up to 4:00 p.m EST Monday – Friday. For loans processed on weekends or bank holidays, you will receive the wire transfer the next business day. Please call Client Support for assistance with a wire transfer: 1-877-632-4223.
You will be charged a $30 late fee for any payment that is late more than two business days. If any payment is returned due to insufficient funds or not honored by your financial institution for any reason, you will be charged a $30 NSF fee.