Rates & Terms
The charts below represent illustrative examples of the cost of installment loans. Please see your loan agreement for the annual percentage rate (APR) and other terms applicable to your loan. Before obtaining a loan, be certain that we have provided you with all the information you need and all your questions have been answered. Make certain you understand the terms and obligations of your loan.
*Actual loan terms vary based on applicant’s qualifications.
*Semi-monthly & Monthly figures are variable.
Illinois
If you borrowed $1,001 / $1,500 and repaid in weekly payments
| Amount Financed | Payment | APR | Finance Charge | Term | Total Payments |
|---|---|---|---|---|---|
| $1,001 | $30.75 | 35.91% | $136.75 | 37 | $1,137.75 |
| $1,500 | $44.01 | 35.94% | $216.39 | 39 | $1,716.39 |
If you borrowed $1,001 / $1,500 and repaid in bi-weekly payments
| Amount Financed | Payment | APR | Finance Charge | Term | Total Payments |
|---|---|---|---|---|---|
| $1,001 | $57.64 | 35.99% | $151.80 | 20 | $1,152.80 |
| $1,500 | $86.37 | 35.98% | $227.40 | 20 | $1,727.40 |
If you borrowed $1,001 / $1,500 and repaid in semi-monthly payments
| Amount Financed | Payment | APR | Finance Charge | Term | Total Payments |
|---|---|---|---|---|---|
| $1,001 | $58.30 | 35.98% | $165.00 | 20 | $1,166.00 |
| $1,500 | $87.36 | 35.98% | $247.20 | 20 | $1,747.20 |
If you borrowed $1,001 / $1,500 and repaid in monthly payments
| Amount Financed | Payment | APR | Finance Charge | Term | Total Payments |
|---|---|---|---|---|---|
| $1,001 | $100.56 | 35.99% | $205.72 | 12 | $1,206.72 |
| $1,500 | $150.69 | 36.00% | $308.28 | 12 | $1,808.28 |
Missouri
If you borrowed $1,001 / $1,500 and repaid in weekly payments
| Amount Financed | Payment | APR | Finance Charge | Term | Total Payments |
|---|---|---|---|---|---|
| $1,001 | $42.06 | 99.00% | $344.92 | 32 | $1,345.92 |
| $1,001 | $30.36 | 97.95% | $577.72 | 52 | $1,578.72 |
| $1,500 | $61.63 | 98.96% | $533.79 | 33 | $2,033.79 |
| $1,500 | $45.69 | 98.97% | $875.88 | 52 | $2,375.88 |
If you borrowed $1,001 / $1,500 and repaid in bi-weekly payments
| Amount Financed | Payment | APR | Finance Charge | Term | Total Payments |
|---|---|---|---|---|---|
| $1,001 | $81.00 | 98.76% | $376.00 | 17 | $1,377.00 |
| $1,001 | $65.58 | 96.95% | $507.34 | 23 | $1,508.34 |
| $1,500 | $121.46 | 98.98% | $564.82 | 17 | $2,064.82 |
| $1,500 | $99.05 | 99.00% | $778.15 | 23 | $2,278.15 |
If you borrowed $1,001 / $1,500 and repaid in semi-monthly payments
| Amount Financed | Payment | APR | Finance Charge | Term | Total Payments |
|---|---|---|---|---|---|
| $1,001 | $83.31 | 99.00% | $415.27 | 17 | $1,416.27 |
| $1,001 | $64.36 | 97.01% | $608.00 | 25 | $1,609.00 |
| $1,500 | $124.83 | 98.98% | $622.11 | 17 | $2,122.11 |
| $1,500 | $99.63 | 98.97% | $891.12 | 24 | $2,391.12 |
If you borrowed $1,001 / $1,500 and repaid in monthly payments
| Amount Financed | Payment | APR | Finance Charge | Term | Total Payments |
|---|---|---|---|---|---|
| $1,001 | $161.91 | 99.00% | $456.19 | 9 | $1,457.19 |
| $1,001 | $134.53 | 98.96% | $613.36 | 12 | $1,614.36 |
| $1,500 | $242.62 | 99.00% | $683.58 | 9 | $2,183.58 |
| $1,500 | $201.63 | 99.00% | $919.56 | 12 | $2,419.56 |
Wisconsin
If you borrowed $1,001 / $1,500 and repaid in bi-weekly payments
| Amount Financed | Payment | APR | Finance Charge | Term | Total Payments |
|---|---|---|---|---|---|
| $1,001 | $81.00 | 98.76% | $376.00 | 17 | $1,377.00 |
| $1,001 | $65.58 | 96.95% | $507.34 | 23 | $1,508.34 |
| $1,500 | $121.46 | 98.98% | $564.82 | 17 | $2,064.82 |
| $1,500 | $99.05 | 99.00% | $778.15 | 23 | $2,278.15 |
If you borrowed $1,001 / $1,500 and repaid in monthly payments
| Amount Financed | Payment | APR | Finance Charge | Term | Total Payments |
|---|---|---|---|---|---|
| $1,001 | $161.91 | 99.00% | $456.19 | 9 | $1,457.19 |
| $1,001 | $134.53 | 98.96% | $613.36 | 12 | $1,614.36 |
| $1,500 | $242.62 | 99.00% | $683.58 | 9 | $2,183.58 |
| $1,500 | $201.63 | 99.00% | $919.56 | 12 | $2,419.56 |
Governing Law
The loan agreement will be governed by the applicable laws of the state where the loan originated. Questions or complaints should be directed to the states regulatory agency where the loan originated.
Terms Explained
Amount Financed – This is the loan amount
Example: Jane Smith is approved for a $1,001 loan. This $1,001 is the amount financed.
Loan Term – Your loan term is the amount of time over which you are scheduled to repay your loan. You may also repay early with no penalty.
Example: Based on her application, Jane will make 9 monthly payments. That means her loan term is 9 months.
Finance Charge – The finance charge is the dollar amount your loan will cost you, in addition to the amount financed.
Example: Based on her interest rate, amount financed and loan term, Jane will be charged $456.19 in interest as her finance charge.
Total of Payments – This is the sum of the amount financed and the finance charge. It is the total amount you must repay.
Example: Adding together her amount financed and finance charge, Jane’s total of payments comes to $1,457.19.
APR – Annual percentage rate (APR) is a measure of the cost of credit, expressed as a yearly rate. Our installment loan APRs fall over a range of 98% - 99%.
Illinois Pamphlets
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Illinois
Missouri
Wisconsin
