Texas Standard Fee Rates
We offer installment loans with the following Annual Percentage Rates (APRs):
599%
549%
499%
449%
Annual Percentage Rate (APR) Examples
Example loan disclosure provided:
APR: 599%
Amount Financed: $300.00
Finance Charge: $562.61
Total Payments: $862.61
Payment Schedule Example
5 biweekly payments beginning 06/13/2026
Four (4) payments of $172.54
One (1) final payment of $172.45 due 10/13/2026
| Payment No. | Date | Payment Amount | Principal Allocation | Lender Interest | CAB Fee | Remaining Balance |
|---|---|---|---|---|---|---|
| 1 | 06/13/2026 | $172.54 | $22.77 | $2.54 | $147.23 | $277.23 |
| 2 | 07/13/2026 | $172.54 | $34.20 | $2.28 | $136.06 | $243.03 |
| 3 | 08/13/2026 | $172.54 | $51.21 | $2.06 | $119.27 | $191.82 |
| 4 | 09/13/2026 | $172.54 | $76.77 | $1.63 | $94.14 | $115.05 |
| 5 | 10/13/2026 | $172.45 | $115.05 | $0.94 | $56.46 | $0.00 |
Inception / Origination Fees
We do not charge inception fees or origination fees.
Standard Loan Terms
We offer installment loans
Standard repayment structure:
Biweekly payment schedule
Fixed payment amounts
Fully amortizing repayment structure over the loan term
Example term shown:
$300 loan repaid over 5 biweekly payments
Separate Fee Breakdown by Loan Product
Installment Loan Product
Loan Type: Installment Loan
APR Options:
599%
549%
499%
449%
Origination Fees: None
Finance Charges:
Example: $562.61 finance charge on a $300 loan
Payment Frequency:
Biweekly
Example Total Repayment:
$862.61 total repayment on a $300 loan at 599% APR
Additional Loan Details
Minimum first time loan: $200
Maximum first time loan: $800
Maximum Loan: $1500
Loan Terms range from 4-8 months with no prepayment penalty
Actual Loan Terms, Fees, Interest, and other loan terms vary based on applicants qualification and vary by state
Consumer Disclosures – Specific to Texas
$300 Installment Loan Disclosure
Sample loans
Vacations
Car Repairs
Unexpected Expenses
Pet Care
Home Improvements
Technology
Medical Bills
