Truth In Lending


Truth In Lending




Truth In Lending


Federal Truth in Lending Act (T.I.L.A) Disclosure

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). EZPaydayCash, through its website does not discriminate based on any of these factors. In addition EZPaydayCash 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 EZPaydayCash are given.

The services provided for cashing a check are considered a Deferred Presentment Loan, and as such, all fees are defined accordingly. In the event this transaction is within the broad scope of 15 U.S.C. 1601 et seq., we are providing you with the Truth in Lending Disclosures set forth below solely for your information. This document is for disclosure purposes only and does not affect the character of the fee or transaction under Utah Law.

Your Lender provides short-term payday loans in which your check is held for deposit until your next payday, unless your next payday is less than 7 days away. In this case your check will be held until your second payday. The maximum advance term is 30 days.

With a cash advance, you are charged a flat fee no matter when your advance is repaid (subject to the 30 day maximum term). Because the fees are fixed per loan amount, the Annual Percentage Rate (APR) will vary depending on the number of days that pass between the date you receive your advance and the day your check is deposited. You may be entitled to a prorated refund depending on the date of payment.

Although payday loans are for short-term needs and are intended to be paid off quickly, various Truth-in-Lending laws require financing disclosures to be expressed as an Annual Percentage Rate (APR), or the cost of the credit advanced to you expressed as an annual rate. This requirement provides uniformity among various credit sources, so you can compare rates and make the choice that is right for you.

Term(days)
Loan Amount
 
$200.00
$300.00
$400.00
$500.00
 
Fee
A.P.R.
Fee
A.P.R.
Fee
A.P.R.
Fee
A.P.R.
7 $60

1564.28%

$90

1564.28%

$120 1564.28% $150 1564.28%
8 $60

1368.75%

$90

1368.75%

$120 1368.75% $150 1368.75%
9 $60

1216.67%

$90

1216.67%

$120 1216.67% $150 1216.67%
10 $60

1095.00%

$90

1095.00%

$120 1095.00% $150 1095.00%
11 $60

995.45%

$90

995.45%

$120 995.45% $150 995.45%
12 $60

912.50%

$90

912.50%

$120 912.50% $150 912.50%
13 $60

842.31%

$90

842.31%

$120 842.31% $150 842.31%
14 $60

782.14%

$90

782.14%

$120 782.14% $150 782.14%
15 $60

730.00%

$90

730.00%

$120 730.00% $150 730.00%
16 $60

684.38%

$90

684.38%

$120 684.38% $150 684.38%
17 $60

644.12%

$90

644.12%

$120 644.12% $150 644.12%
18 $60

608.33%

$90

608.33%

$120 608.33% $150 608.33%
19 $60

576.31%

$90

576.31%

$120 576.31% $150 576.31%
20 $60

547.50%

$90 547.50% $120 547.50% $150 547.50%
21 $60

521.43%

$90 521.43% $120 521.43% $150 521.43%
22 $60

497.72%

$90 497.72% $120 497.72% $150 497.72%
23 $60

476.08%

$90 476.08% $120 476.08% $150 476.08%
24 $60

456.25%

$90 456.25% $120 456.25% $150 456.25%
25 $60

438.00%

$90 456.25% $120 456.25% $150 456.25%
26 $60

421.12%

$90 421.12% $120 421.12% $150 421.12%
27 $60

405.56%

$90 405.56% $120 405.56% $150 405.56%
28 $60

391.07%

$90 391.07% $120 391.07% $150 391.07%
29 $60

377.58%

$90 377.58% $120 377.58% $150 377.58%
30 $60

365.00%

$90 365.00% $120 365.00% $150 365.00%




Testimonials

“Finding the right help from the right lender made me feel being on a lucky streak. It happened so fast …………..I just could not believe but it happened. It happened that I got my loan to pay off my other emergency bills. ”

Haresha Clark.

“Your timely help for my untimely financial situation was beyond all my expectations. I thank you and your all-supportive staff for the much-needed assistance.”

Brittany Boyars.

“Seeing the wide bills used to scare me to death. Thank God……………..not any more! I am happy to say that I got the reliable source to pay my unexpected bills. ”

Yasmeen Brew.

“I am indebted to your prompt and kind help. I am being grateful for the monetary help. Thank you and God bless you.”

Xiuyan Ge.


Consumer Information



*THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not broker loans to lenders and does not make cash advances or credit decisions. This Website does not constitute an offer or solicitation to lend. This site will submit the information you provide to a lender. Providing your information on this Website does not guarantee that you will be approved for a cash advance. The operator of this Website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Not all lenders can provide up to $1,000. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. For details, questions or concerns regarding your cash advance, please contact your lender directly. Cash advances are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Residents of some states may not be eligible for a cash advance based upon lender requirements. This service is not available in New York or to New York borrowers due to interest rate limits under New York law.