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Disclosure and Rates
The purpose of the 1-2-3-payday-loans Agreement is to make you, our customer, fully aware and informed of all terms and conditions of our policies, as well as all federal and State of Nevada regulations as required by law.
We value the opportunity to serve your needs and want you to be completely satisfied and comfortable in all transactions with 1-2-3-payday-loans.
FEDERAL DISCLOSURE REQUIREMENTS
Regulation B in Federal Law prohibits the consideration of Age, Sex, Race, Ethnicity, Gender, National Origin, or Handicap as a basis for making anyone a loan (as in our cash advance program). 1-2-3-payday-loans, does not discriminate based on any of these factors. In addition 1-2-3-payday-loans will not enter into or maintain vendor/reciprocal information service type relationships with anyone who does not conform to these anti-discriminatory practices.
Regulation Z in Federal Law requires the full disclosure of all costs and terms associated with any credit purchase or transaction (such as this cash advance) and further requires that the costs associated with the transaction be expressed as an annual percentage rate of interest or A.P.R. Below all costs, terms and rates associated with the 1-2-3-payday-loans program are provided.
Federal Truth in Lending Act (T.I.L.A.)
1-2-3-payday-loans Terms and Conditions
Cash Advance Amount
( Amount Financed )
|
Cash Advance Fee
( Finance Charge )
|
|
|
Annual Percentage
Rate ( A.P.R )
|
| $100.00 |
$25.00 |
$125.00 |
Due next payday.
Max of 15 days |
See Chart |
| $200.00 |
$50.00 |
$250.00 |
Due next payday.
Max of 15 days |
See Chart |
| $300.00 |
$75.00 |
$375.00 |
Due next payday.
Max of 15 days |
See Chart |
| $400.00 |
$100.00 |
$500.00 |
Due next payday.
Max of 15 days |
See Chart |
| $500.00 |
$125.00 |
$625.00 |
Due next payday.
Max of 15 days |
See Chart |
| Cash Advance Amount |
This is the Amount Financed which is the amount of cash provided to you |
| Cash Advance Fee |
This is the Finance Charge which is the dollar amount the cash advance will cost you. |
| Total of Transactions |
This is the amount you will have to pay after you have made payment as scheduled. |
| Terms of Cash Advance |
This is when the Total of Transactions is due. |
| Annual Percentage Rate |
The cost of the advance based on a annual calculation. |
* APR - Annual Percentage Rate |
| 3 |
3041.67 |
3041.67 |
3041.67 |
3041.67 |
3041.67 |
| 4 |
2281.25 |
2281.25 |
2281.25 |
2281.25 |
2281.25 |
| 5 |
1825.00 |
1825.00 |
1825.00 |
1825.00 |
1825.00 |
| 6 |
1520.83 |
1520.83 |
1520.83 |
1520.83 |
1520.83 |
| 7 |
1303.57 |
1303.57 |
1303.57 |
1303.57 |
1303.57 |
| 8 |
1140.63 |
1140.63 |
1140.63 |
1140.63 |
1140.63 |
| 9 |
1013.89 |
1013.89 |
1013.89 |
1013.89 |
1013.89 |
| 10 |
912.50 |
912.50 |
912.50 |
912.50 |
912.50 |
| 11 |
829.55 |
829.55 |
829.55 |
829.55 |
829.55 |
| 12 |
760.42 |
760.42 |
760.42 |
760.42 |
760.42 |
| 13 |
701.92 |
701.92 |
701.92 |
701.92 |
701.92 |
| 14 |
651.79 |
651.79 |
651.79 |
651.79 |
651.79 |
| 15 |
608.33 |
608.33 |
608.33 |
608.33 |
608.33 |
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