Rates & Terms

Currently Lending

Not Currently Lending

Loan Amounts

The minimum loan amount is $200. The maximum loan amount for first time borrower is $300. The maximum loan amount for other borrowers is $1500.

Cost of Loan

Short-term loans provide the cash needed to meet immediate short-term cash flow problems. They are not a solution for longer-term financial problems for which other kinds of financing (such as credit cards, an overdraft loan or a loan from friends or family) may be appropriate and affordable. You may want to discuss your financial situation with a nonprofit credit counseling service available to consumers experiencing financial problems in your community.

The total payments due and APR will be disclosed on your loan agreement. The payment schedule on your loan agreement will include the number of payments, payment amounts and payment dates for the duration of the loan. During the verification process, you will determine a re-payment plan that is best suitable for your situation and needs. For details on the specific fees of your loan, please see your loan agreement. Late fees and non-sufficient funds / returned item fees may apply as described in your loan agreement. You can log into your account and view your loan documents at any time. To log into your account click the login button.

Cost of Credit

Below is an example of the payment plan we offer. Please note that we are flexible in our payment plans and strive to work with our customers on plans that will best fit their individual needs. An examples of the total payments charged on your loan are provided in the table below. To minimize the cost of your loan, we strongly recommend that you pay your loan in full or make additional payments as soon as you can. There are no penalties for early pay.

The specific rates and terms vary based on loan amount and loan duration. The Annual Percentage Rate and other loan terms will be clearly detailed in your loan agreement. Our customer service representatives will thoroughly review your loan terms with you before your loan is funded.


The chart below is an illustrative example showing the cost of a $300.00 funded loan.

Annual Percentage Rate
The cost of your credit as a yearly rate.
Finance Charge
The dollar amount the credit will cost you.
Amount Financed
The amount of credit provided to you or on your behalf.
Total Payments
The amount you will have paid after you have made all payments as scheduled.

Payment Schedule

Number of Payments Amount Due Due Date
1 $101.68 07/31/2024
1 $101.68 08/14/2024
1 $101.68 08/28/2024
1 $101.68 09/11/2024
1 $101.68 09/25/2024
1 $101.68 10/09/2024
1 $101.68 10/23/2024
1 $101.68 11/06/2024
1 $101.68 11/20/2024