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Holiday notice
Due to the upcoming banking holiday, all requests to make changes for loans due on May 28 2013 must be received by 3:00 PM CST on May 23 2013.
All loans approved on May 24 2013 will generally be funded on May 28 2013.
All loans approved on May 24 2013 will generally be funded on May 28 2013.
Rates & Terms for Louisiana
Loan Terms
- The maximum loan amount for Louisiana residents will be $300.00.
- Your loan will be due on your next payday that falls between 8 to 30 days away.
- If you are paid by paper check, we will give you a grace period of 1 day to deposit your check.
- If you are paid monthly, your loan will be due on your next payday that falls between 8 to 30 days away.
- If your pay dates fall outside of these ranges, your loan will be due in 14 days.
Loan Repayment
You have the option of extending your loan a maximum of 3 times. On your loan due date you will be charged only your loan fee and the principal will be rolled over into a new loan contract. This new loan will carry with it an additional fee. Extension, partial payment, and early payoff requests must be received at least 2 business days prior to your due date. You may request these changes by logging into your personal account or calling our customer service team. For more information on extensions, visit our FAQ page.
Additional Information
Louisiana law requires payday loan customers to pay a minimum of 25% of the loan principal at the time of making the extension. This is in addition to the loan fee that is also due at this time. This addition principal payment reduces the amount you owe and the fee paid on the subsequent renewal will be lowered accordingly.
Fee Schedule and APR
Your loan fees will be the lesser of $45.00 or $20.00 per $100.00 borrowed.
| $100 | $150 | $200 | $250 | $300 | |
|---|---|---|---|---|---|
| Term In Days | Finance Charge / APR | ||||
| 8 | $20.00 912.5% | $30.00 912.5% | $40.00 912.5% | $45.00 821.25% | $45.00 684.38% |
| 9 | $20.00 811.11% | $30.00 811.11% | $40.00 811.11% | $45.00 730.0% | $45.00 608.33% |
| 10 | $20.00 730.0% | $30.00 730.0% | $40.00 730.0% | $45.00 657.0% | $45.00 547.5% |
| 11 | $20.00 663.64% | $30.00 663.64% | $40.00 663.64% | $45.00 597.27% | $45.00 497.73% |
| 12 | $20.00 608.33% | $30.00 608.33% | $40.00 608.33% | $45.00 547.5% | $45.00 456.25% |
| 13 | $20.00 561.54% | $30.00 561.54% | $40.00 561.54% | $45.00 505.38% | $45.00 421.15% |
| 14 | $20.00 521.43% | $30.00 521.43% | $40.00 521.43% | $45.00 469.29% | $45.00 391.07% |
| 15 | $20.00 486.67% | $30.00 486.67% | $40.00 486.67% | $45.00 438.0% | $45.00 365.0% |
| 16 | $20.00 456.25% | $30.00 456.25% | $40.00 456.25% | $45.00 410.63% | $45.00 342.19% |
| 17 | $20.00 429.41% | $30.00 429.41% | $40.00 429.41% | $45.00 386.47% | $45.00 322.06% |
| 18 | $20.00 405.56% | $30.00 405.56% | $40.00 405.56% | $45.00 365.0% | $45.00 304.17% |
| 19 | $20.00 384.21% | $30.00 384.21% | $40.00 384.21% | $45.00 345.79% | $45.00 288.16% |
| 20 | $20.00 365.0% | $30.00 365.0% | $40.00 365.0% | $45.00 328.5% | $45.00 273.75% |
| 21 | $20.00 347.62% | $30.00 347.62% | $40.00 347.62% | $45.00 312.86% | $45.00 260.71% |
| 22 | $20.00 331.82% | $30.00 331.82% | $40.00 331.82% | $45.00 298.64% | $45.00 248.86% |
| 23 | $20.00 317.39% | $30.00 317.39% | $40.00 317.39% | $45.00 285.65% | $45.00 238.04% |
| 24 | $20.00 304.17% | $30.00 304.17% | $40.00 304.17% | $45.00 273.75% | $45.00 228.13% |
| 25 | $20.00 292.0% | $30.00 292.0% | $40.00 292.0% | $45.00 262.8% | $45.00 219.0% |
| 26 | $20.00 280.77% | $30.00 280.77% | $40.00 280.77% | $45.00 252.69% | $45.00 210.58% |
| 27 | $20.00 270.37% | $30.00 270.37% | $40.00 270.37% | $45.00 243.33% | $45.00 202.78% |
| 28 | $20.00 260.71% | $30.00 260.71% | $40.00 260.71% | $45.00 234.64% | $45.00 195.54% |
| 29 | $20.00 251.72% | $30.00 251.72% | $40.00 251.72% | $45.00 226.55% | $45.00 188.79% |
| 30 | $20.00 243.33% | $30.00 243.33% | $40.00 243.33% | $45.00 219.0% | $45.00 182.5% |
Governing Law
The loan agreement will be governed by the applicable laws of your state. Questions or complaints should be directed to your state's regulatory agency. Click here for contact information.
Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.
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