The Fee For Our Loans Is $30.00 Per $100.00 Borrowed.
The Annual Percentage Rate (A.P.R.) for our loans ranges from
365.00% to 1564.28%, depending on the term of your loan. Please refer to the
table below to find your A.P.R.
Schedule of Fees
Annual Percentage Rate (A.P.R.)
Term
(days)
|
Loan Amount
|
$200.00
|
$300.00
|
$400.00
|
$500.00
|
Fee
|
A.P.R.
|
Fee
|
A.P.R.
|
Fee
|
A.P.R.
|
Fee
|
A.P.R.
|
7
|
$60
|
1564.28%
|
$90
|
1564.28%
|
$120
|
1564.28%
|
$150
|
1564.28%
|
8
|
$60
|
1368.75%
|
$90
|
1368.75%
|
$120
|
1368.75%
|
$150
|
1368.75%
|
9
|
$60
|
1216.67%
|
$90
|
1216.67%
|
$120
|
1216.67%
|
$150
|
1216.67%
|
10
|
$60
|
1095.00%
|
$90
|
1095.00%
|
$120
|
1095.00%
|
$150
|
1095.00%
|
11
|
$60
|
995.45%
|
$90
|
995.45%
|
$120
|
995.45%
|
$150
|
995.45%
|
12
|
$60
|
912.50%
|
$90
|
912.50%
|
$120
|
912.50%
|
$150
|
912.50%
|
13
|
$60
|
842.31%
|
$90
|
842.31%
|
$120
|
842.31%
|
$150
|
842.31%
|
14
|
$60
|
782.14%
|
$90
|
782.14%
|
$120
|
782.14%
|
$150
|
782.14%
|
15
|
$60
|
730.00%
|
$90
|
730.00%
|
$120
|
730.00%
|
$150
|
730.00%
|
16
|
$60
|
684.38%
|
$90
|
684.38%
|
$120
|
684.38%
|
$150
|
684.38%
|
17
|
$60
|
644.12%
|
$90
|
644.12%
|
$120
|
644.12%
|
$150
|
644.12%
|
18
|
$60
|
608.33%
|
$90
|
608.33%
|
$120
|
608.33%
|
$150
|
608.33%
|
19
|
$60
|
576.31%
|
$90
|
576.31%
|
$120
|
576.31%
|
$150
|
576.31%
|
20
|
$60
|
547.50%
|
$90
|
547.50%
|
$120
|
547.50%
|
$150
|
547.50%
|
21
|
$60
|
521.43%
|
$90
|
521.43%
|
$120
|
521.43%
|
$150
|
521.43%
|
22
|
$60
|
497.72%
|
$90
|
497.72%
|
$120
|
497.72%
|
$150
|
497.72%
|
23
|
$60
|
476.08%
|
$90
|
476.08%
|
$120
|
476.08%
|
$150
|
476.08%
|
24
|
$60
|
456.25%
|
$90
|
456.25%
|
$120
|
456.25%
|
$150
|
456.25%
|
25
|
$60
|
438.00%
|
$90
|
438.00%
|
$120
|
438.00%
|
$150
|
438.00%
|
26
|
$60
|
421.12%
|
$90
|
421.12%
|
$120
|
421.12%
|
$150
|
421.12%
|
27
|
$60
|
405.56%
|
$90
|
405.56%
|
$120
|
405.56%
|
$150
|
405.56%
|
28
|
$60
|
391.07%
|
$90
|
391.07%
|
$120
|
391.07%
|
$150
|
391.07%
|
29
|
$60
|
377.58%
|
$90
|
377.58%
|
$120
|
377.58%
|
$150
|
377.58%
|
30
|
$60
|
365.00%
|
$90
|
365.00%
|
$120
|
365.00%
|
$150
|
365.00%
|
How to determine your Due Date
PayDay Loan Help.org provides short-term cash advances in which is due on your
next pay date, unless your next payday is less than 7 days away. In this case,
we will debit your account on the following pay date after. The maximum term
for our loans is 30 days.
-
If we do not hear from you prior to your loan due date, we will automatically
debit the full loan balance from your account. If you you do not want us to
withdraw the full amount, you have the option to extend your loan until your
next payday.
-
You are allowed up to two (2) extensions or rollovers with only minimum payment
before we require you to paydown your principal.
-
The cost to extend your loan is $30.00 per $100.00 borrowed.
-
TThe extension fee will be withdrawn from your account on your due date. We
must receive your extension request before 8:00 PM EST the day before your loan
is due.
ACH Authorization
If you have any questions please contact us.
Your online agreement will be governed by the state of Utah. All the applicable
laws and regulations of Utah will apply to your online agreement. If your ACH
debit that you have authorized is returned for any reason you agree to the
following items.
-
You are authorizing us to initiate electronic debits to your account in the
amounts up to or less than the amount owed until the amount owed is paid in
full. Your authorization shall remain in effect until we have received written
notice of its termination. We must also have had a reasonable opportunity to
act on this authorization.
-
You agree to pay a NSF (non-sufficient funds) fee of $20.00.
-
You agree to pay all fees related to the collection of your account. This
includes, but is not limited to all attorney fees, collection fees, and court
costs incurred during the collection process.
If you have any questions please contact us.
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