Holiday Notice
Due to the upcoming banking holiday, all requests to make changes for loans due on Nov 27 2009 must be received by 3:00 PM CST on Nov 24 2009.
All loans approved on Nov 25 2009 will generally be funded on Nov 27 2009.
All loans approved on Nov 25 2009 will generally be funded on Nov 27 2009.
Rates & Terms for Oregon
Loan Terms
- The maximum loan amount for Oregon residents will be 25% of net monthly income or $300.00 whichever is less. A seven day 'cooling-off' period will be instituted after your loan is paid in full. You will not be allowed to contract for a new loan during this period.
- Your loan will be due on your next payday that falls between 31 to 35 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 31 to 35 days away.
- If your pay dates fall outside of these ranges, your loan will be due in 31 days.
Loan Repayment
You will no longer be allowed an extension of your base loan. Your loan must be paid in full on the due date. Early payoff requests must be received at least 2 business days prior to your due date.
Fee Schedule and APR
Your loan fees will be an interest rate of 36.00% APR plus an origination fee of $10.00 per $100.00 borrowed.
| $100 | $150 | $200 | $250 | $300 | ||
|---|---|---|---|---|---|---|
| Term In Days | APR | Finance Charge / APR | ||||
| 31 | 153.77% | $13.06 | $19.59 | $26.12 | $32.64 | $39.17 |
| 32 | 150.11% | $13.16 | $19.73 | $26.31 | $32.89 | $39.47 |
| 33 | 146.55% | $13.25 | $19.88 | $26.51 | $33.14 | $39.76 |
| 34 | 143.32% | $13.35 | $20.03 | $26.71 | $33.38 | $40.06 |
| 35 | 140.26% | $13.45 | $20.18 | $26.90 | $33.63 | $40.36 |
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.
Oregon Pamphlets
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.
