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This is an expensive form of credit, but it can provide financial relief in times of immediate need. In order to minimize finance charges, be sure to borrow only the amount that you absolutely need, and pay off the loan as soon as possible.
If you make only the minimum payment each period, you will pay more in finance charges and it will take you longer to pay off your balance. The APR on a small dollar, short term installment loan represents the amount of your loan, cost of the loan, term of the loan and repayment amounts and timing. The sooner you pay off your loan, the less money you’ll pay overall. There is no penalty for paying your loan off early, and we strongly encourage all our customers to pay off their loans as soon as possible.