Rates and Terms

Utah Standard Fee Rates

We offer installment loans with the following Annual Percentage Rates (APRs):

599%
549%
499%
449%

Annual Percentage Rate (APR) Examples

Example loan disclosure provided:

APR: 599%
Amount Financed: $300.00
Finance Charge: $562.70
Total Payments: $862.70

Payment Schedule Example

5 monthly payments beginning 06/13/2026

Four (4) payments of $172.53
One (1) final payment of $172.58 due 10/13/2026

Payment No.	Date	Payment Amount	Principal Allocation	Interest	Remaining Balance
1	06/13/2026	$172.53	$22.78	$149.75	$277.22
2	07/13/2026	$172.53	$34.15	$138.38	$243.07
3	08/13/2026	$172.53	$51.20	$121.33	$191.87
4	09/13/2026	$172.53	$76.75	$95.78	$115.12
5	10/13/2026	$172.58	$115.12	$57.46	$0.00
	Totals	$862.70	$300.00	$562.70	$0.00

Inception / Origination Fees

We do not charge inception fees or origination fees.

Standard Loan Terms

We offer installment loans.

Standard repayment structure:

Monthly payment schedule
Fixed payment amounts
Fully amortizing repayment structure over the loan term

Example term shown:

$300 loan repaid over 5 monthly payments

Separate Fee Breakdown by Loan Product

Installment Loan Product

Loan Type: Installment Loan
APR Options: 599%, 549%, 499%, 449%
Origination Fees: None
Finance Charges:
- Example: $562.70 finance charge on a $300 loan
Payment Frequency: Monthly
Example Total Repayment:
- $862.70 total repayment on a $300 loan at 599% APR

Consumer Disclosures

$300 Installment Loan Disclosure

$500 Installment Loan Disclosure

$750 Installment Loan Disclosure

UTAH AMOUNT AND TERMS

The minimum loan amount available to Utah customers is $100.00
The maximum loan amount available to Utah customers is $1500.00*
Loan Terms are Approximately 4-10 months
**Actual loan terms may vary based on applicant’s qualifications
Number of payments is determined by your employment or source of income’s pay frequency.
Prepayment of your loan is allowed at any time without penalty and only pay interest accrued up to the date of in which you have incurred.
We are a direct lender in the state of Utah.

Please see below for additional loan details –

UTAH STATE AGENCY

Utah Department of Financial Institutions; 324 South Street, Suite 201, Salt Lake City, UT, 84111, or PO BOX 146800 Salt Lake City, UT 84114-6800. (801) 538-8830.
NOTE: If you make all your payment on time as reflected in the payment schedule, you will pay off your loan on the final payment.

UTAH DISCLAIMER

The payment schedule above is an example of a $600 bi-weekly loan. The rates and fees you will be charged will vary by state and based on your qualifications. Please review your loan documents for your rates and fees, before signing the loan documents. If you have any questions please contact us.