Rate & Terms

 

Sample Truth-In-Lending Disclosure

(this is a sample based on a typical loan term, actual amounts may vary)



Annual Percentage Rate
Finance Charge
(The faster you repay your loan the less in finance charges you will pay)
Amount Financed Total of Payments
807.77% $254.04 $300 $554.04


No. of Payment
Amount of Payment
(represents a principal and interest payment, you are paying somethig toward your loan and finance charges due)
Payment Due Date
(payments are due on paydate)
1 $110.80 2/25/2016
2 $110.80 3/10/2016
3 $110.80 3/24/2016
4 $110.80 4/7/2016
5 $110.80 4/21/2016


Late Charge: If you do not timely pay us the agreed upon amount under this Agreement, then you will incur a late charge not to exceed 5% of the unpaid amount.


Prepayment:You may pay in advance in any amount at any time and you will not incur an additional charge, fee, or penalty. Prepayment may reduce the total amount of interest that accrues. To make arrangements for a prepayment, you must contact us by email at support@checkadvanceusa.net or phone at 866-898-9573. We will then communicate with you to arrange an authorization to debit funds from your Bank Account or make other arrangements for the prepayment. 


See the terms of actual Loan Agreement for any additional information about nonpayment, default, any required repayment in full before the scheduled due date and prepayment refunds and penalties. Additional terms may apply.


Refund Policy: YOU MAY CANCEL THIS LOAN, WITHOUT FINANCE CHARGES OR ANY COSTS, NO LATER THAN 5:00 PM MOUNTAIN TIME OF THE NEXT BANKING DAY IMMEDIATELY FOLLOWING THE EFFECTIVE DATE (“CANCELLATION DEADLINE”) BY EMAILING support@checkadvanceusa.net OR BY FAX TO 877-665-1596. IN THE EVENT THAT WE TIMELY RECEIVE YOUR WRITTEN NOTICE OF CANCELLATION ON OR BEFORE THE CANCELLATION DEADLINE BUT BEFORE THE LOAN PROCEEDS HAVE BEEN CREDITED TO YOUR BANK ACCOUNT, BOTH YOUR OBLIGATIONS AND OUR OBLIGATIONS UNDER THIS AGREEMENT WILL BE CANCELED. IN THE EVENT THAT WE TIMELY RECEIVE YOUR WRITTEN NOTICE OF CANCELLATION ON OR BEFORE THE CANCELLATION DEADLINE BUT AFTER THE LOAN PROCEEDS HAVE BEEN CREDITED TO YOUR BANK ACCOUNT, THEN YOU AUTHORIZE US TO EFFECT A DEBIT ENTRY TO YOUR BANK ACCOUNT FOR THE PRINCIPAL AMOUNT OF YOUR LOAN SUBJECT TO THE FOLLOWING: (1) IF WE RECEIVE THE PAYMENT OF THE PRINCIPAL AMOUNT BY THE DEBIT ENTRY TO YOUR BANK ACCOUNT, THEN BOTH YOUR OBLIGATIONS AND OUR OBLIGATIONS UNDER THIS AGREEMENT WILL BE CANCELED, OR (2) IF WE DO NOT RECEIVE PAYMENT OF THE PRINCIPAL AMOUNT OF YOUR LOAN BY DEBIT ENTRY TO YOUR BANK ACCOUNT, THEN THIS AGREEMENT WILL REMAIN IN FULL FORCE AND EFFECT.


Refund for Payments Received is not applicable as all payments are applied to your outstanding loan 


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Please Note: Our loans can be a very expensive way to borrow. They should be used for emergencies and as a short-term solution and should not be considered as a long-term financial solution.

Checkadvanceusa.net is an entity of the Wakpamni Lake Community Corporation (WLCC), a tribal corporation wholly owned by the Wakpamni Lake Community. The Wakpamni Lake Community is a local government under the Oglala Sioux Tribe. WLCC is incorporated under and governed by the laws of the Oglala Sioux Tribe, a federally recognized Indian Tribe, and the regulations of the Wakpamni Lake Community. WLCC is wholly owned by the Wakpamni Lake Community local tribal government, and it operates independently of the Oglala Sioux Tribe. Correspondence should be directed to WLCC.