As a general rule, you should request the lowest amount that you need immediately and make every attempt to pay back your loan as quickly as possible. Both the speed at which online loans are processed and the chance that lenders take by approving "risky" borrowers tend to add up to higher than average finance fees charged.

Annual Percentage Rate

The annual percentage rate or APR is a calculation of the fees of a loan in relation to the amount of money being borrowed. It is intended to allow consumers to more easily compare the costs of borrowing when comparing different loan types, amounts, and terms. The number reflects the cost of obtaining a loan on a yearly or annual basis.

The annual percentage rate or APR varies depending on the terms of your loan as well as your payment history. It is important to note that these loans are not intended to be used as a long-term financial solution or to supplement limited income. These loans can offer emergency relief if you are short on money and need funds to cover an urgent expense until you receive your next paycheck.

APR will always be disclosed before the loan is finalized so that customers can make an informed decision.

Keep in Mind

Paying back quickly gives you the best rate. Any loan will be more costly the longer it remains unpaid. Request a dollar loan amount that you will be able to pay back quickly.

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