The APR associated with your loan stands for the annual percentage rate, or the amount of interest you will be expected to pay in relation to the length of your loan term. Most of the time, the APR for short term loans ranges from 260.71% to 1825.00%, though this can vary somewhat. Although the APR associated with short term loans is higher than that associated with other forms of credit, it is still considerably less than the charges associated with overdrafts and nonsufficient funds. Please see below for a cost comparison.
Great Plains also allows you to set up automatic payments from your checking account to ensure that each of your payments is paid on time. With an online loan from Great Plains, there's no need to remember due dates, write checks or worry about your payment getting delivered on time by regular mail. Just think of all the money you'll save on postage! We make your loan repayment even more effortless by sending you a timely reminder e-mail before each payment comes due.

While both types of loans provide you with the money you need, the main difference between an installment loan and a Payday Loan is the loan term and fee structure. A payday loan is usually due in full on your next pay date, whereas an installment loan is repaid through a series of scheduled payments that are typically set up to land on your pay dates.
Please note that this is an expensive form of credit. Great Plains Lending, LLC loans are designed to help you meet your personal borrowing needs. This service is not intended to provide a solution for longer-term credit or other financial needs. Alternative forms of credit may be less expensive and more suitable for your financial needs. Alternative sources you could consider include a credit card cash advance, home equity line of credit, existing savings, or borrowing from a friend or relative. Before borrowing, please consider whether you will be able to repay any amount that you borrow. Customers with continued credit difficulties should seek credit counseling.
It is precisely where online cash lenders enter the scenario. Private lenders don’t follow a must-have approach where qualifications of borrowers are concerned. They hardly go by the credit score, though it has an impact on their lending decisions. They offer both secured and unsecured loans with alternative credit check option and hence with them the chances of getting a loan are higher. Some lenders, not all, might perform a soft credit check/profile check on borrower’s profile which solely depends on the quick cash loan amount and in which state you are borrowing. Don’t worry it will not harm anyone’s FICO score as you are requesting yourself.
If you apply and get approved for a line of credit loan, you can take out cash advances up to your credit limit. A line of credit loan functions similarly to a credit card – as long as you make your loan payments on time, you can borrow the amount of cash you need (up to your credit limit). At Speedy Cash, once you’re approved for a line of credit loan, you won’t need to reapply every time you need to take out more money!
As they say, knowledge is power, so we want to make sure our Customers feel completely informed about the kind of loan decision they are going to make. Take a look at our quick answer online loan FAQs below. Need more detail? Give us a call or pop into one of our many locations and one of our skilled Representatives will gladly give you more information on loans offered near you.
Our installment loans come with the same simple loan application and fast results that our short-term loans are known for. Upon approval, funds are deposited in your account as soon as the next business day. And like our other loan products, online installment loans can be a smart alternative to paying overdraft fees and may help you cover urgent bills or unexpected expenses.
Here’s a pro tip: Ask questions to which you already have the answers. If you see one thing in the loan agreement, but get told something else by your loan officer—especially if what the loan officer tells you makes the loan seems better than it actually is—then maybe that’s a lender you shouldn’t be working with. Because remember: You’re not just choosing a loan, you’re also choosing a lender. If you can’t trust them, then their loan is definitely not worth it.
Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.
Once approved, we'll set you up with a repayment schedule for your MoneyMe advance loan, aligned with your pay cycle. If you develop a good credit history with us, you may be able to borrow larger amounts in future, depending on your financial situation. If you have any trouble repaying your loan, get in touch with us via phone, email, live chat, Facebook or Twitter and we may be able to help.
The average American spends about 49% of their income on housing and cars. Looking at this part of your budget can be overwhelming but can have a big impact on your overall financial health. Can you downgrade in these areas or use websites like airbnb.com to turn this liability into an asset? Look at your transportation costs. Be sure to choose a used car over a new one and think about public transportation or car pooling. Your goal should be no car payment and minimal housing expenses.
Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Installment title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision. Same day funding only available for Opt+ cardholders and in-store pickup. Minimum age to apply in Alabama is 19.
As they say, knowledge is power, so we want to make sure our Customers feel completely informed about the kind of loan decision they are going to make. Take a look at our quick answer online loan FAQs below. Need more detail? Give us a call or pop into one of our many locations and one of our skilled Representatives will gladly give you more information on loans offered near you.
Many of the lenders in our network stick with in-house debt collection practices rather than selling your debt to an outside collection agency, and they will never sue you or threaten criminal charges against you. Your lender may attempt to collect your debt via email, postal mail, telephone, or text message, and they may offer you a settlement so that you can repay your debt over time. All of our lenders are required to adhere to the Fair Debt Collection Practices Act which protects you from harassment. You can contact your lender for more information about its specific policies.
Reputations matter with lenders too. So check out what other people are saying on Facebook, LendingTree and Google+. If borrowers are complaining about poor service, misleading terms and aggressive collections, then that lender is one to avoid. On the other hand, if people are rating a lender very highly, then maybe that’s one you should check out. (Oh, and in case you were wondering, OppLoans was rated as LendingTree’s #1 Customer-Rated Personal Lender for Q2 2016.)
Consider how much you are spending on religious tithing. If you’re overwhelmed with expenses and having to turn to sources such as fast cash and payday loans, it’s important to look at your full financial picture. You may feel burdened but content about reorganizing all the previously mentioned expenses, but thinking about not tithing can be spiritually troublesome. Consider talking to your religious leader about the issue. You’ll likely find they are very supportive while you get your own financial house in order. Once you are back on your feet, you may be able to contribute even more than you did before. Plus, there are more ways to contribute to your religious community than giving money. Time is just as valuable and can be more helpful.
Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.
Don’t want the hassle of gathering pay slips, bank statements, or other time-consuming documentation? As luck would have it, MoneyMe uses safe, fast Proviso technology to obtain 90 days of bank statements online in seconds. Along with your personal details, this is all the information we need to process your loan. Rest assured, your security is our absolute priority.

California Residents: Flurish Inc. dba LendUp is licensed by the Department of Business Oversight, pursuant to the California Deferred Deposit Transaction Law, license #1004393, and the California Financing Law, license #6054610. LendUp loans made under the authority of its CFL license are made pursuant to the California Financing Law. LendUp credit cards are not offered under any license regulated by the California Department of Business Oversight.
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