Payday loans are short-term advances intended to be paid off quickly, and they are not a solution to long term financial issues. If you would like to discuss other alternatives, feel free to contact a non-profit counseling service in your area. Or go to: www.cccsonline.com

Various Truth-in-Lending laws require financing disclosures to be expressed as an Annual Percentage Rate (APR). This “APR” is the cost of the credit advanced to you expressed as an annual rate. This requirement provides uniformity among various credit sources, so you can compare rates and make the choice that is right for you.

For the example below we use a $100 loan that is due in 14 days. Your APR% will change based on the amount of time your loan is for. Consequently if you pay later than the agreed upon date, or if you request to extend your loan, you will owe more interest.

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ANNUAL PERCENTAGE RATE The cost of my credit as a yearly rate.	FINANCE CHARGE The dollar amount the credit will cost me.	Amount Financed The amount of credit provided to me or on my behalf.	Total Payments The amount I will have paid after I have made all payments as scheduled.
730 %	$28.38	$100.00	$128.38

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