Arizona Installment Express Title Loan Rates and Terms
The loan agreement is governed by the applicable laws of the
state of Arizona.
Maximum Loan Amount
The maximum Arizona Installment Express Title loan amount at Speedy Cash is $1,500.
Loan Terms
Your loan will be due in regularly scheduled installments over a term of eighteen (18) months. For your convenience,
bi-weekly, bi-monthly, or monthly installment due dates are determined based on your pay cycle. Finance fees are calculated daily. The sooner you repay your loan, the less you will owe in finance fees. Late or delayed payments will accrue additional finance charges.
Rate and Term Charts
Below is an EXAMPLE loan term with bi-weekly installment payments. APR and Payment Total Amount will vary depending on individual loan length.
EXAMPLE $500 - Bi-Weekly Payments
|
Annual Percentage Rate*
|
Finance Charge |
Amount financed |
Total of payments |
| The cost of your credit as a yearly rate |
The dollar amount the credit will cost you |
The amount of credit provided to you on your behalf |
The amount you will have paid after you have made all payments as scheduled |
| 204% |
$1,111.14 |
$500 |
$1,611.14 |
*ANNUAL PERCENTAGE RATE: The APR is the cost of your loan expressed as a yearly rate. The above APR is based on example loan terms of
36 installments due over eighteen (18) months. The APR will increase if the actual loan term is shorter than these examples, and will decrease if your loan term is longer.
EXAMPLE BI-WEEKLY PAYMENT SCHEDULE
Example Loan Amount: $500 Example Loan Start Date: 4/1/2012
| Number of Payments |
Amount of payments |
When payment is due |
| 1 |
$41.31 |
4/13/12 |
| 2 |
$41.31 |
4/27/12 |
| 3 |
$41.31 |
5/11/12 |
| 4 |
$41.31 |
5/25/12 |
| 5 |
$41.31 |
6/8/12 |
| 6 |
$41.31 |
6/22/12 |
| 7 |
$41.31 |
7/6/12 |
| 8 |
$41.31 |
7/20/12 |
| 9 |
$41.31 |
8/3/12 |
| 10 |
$41.31 |
8/17/12 |
| 11 |
$41.31 |
8/31/12 |
| 12 |
$41.31 |
9/7/12 |
| 13 |
$41.31 |
9/21/12 |
| 14 |
$41.31 |
10/5/12 |
| 15 |
$41.31 |
10/19/12 |
| 16 |
$41.31 |
11/2/12 |
| 17 |
$41.31 |
11/16/12 |
| 18 |
$41.31 |
11/30/12 |
| 19 |
$41.31 |
12/14/12 |
| 20 |
$41.31 |
12/28/12 |
| 21 |
$41.31 |
1/11/13 |
| 22 |
$41.31 |
1/25/13 |
| 23 |
$41.31 |
2/8/13 |
| 24 |
$41.31 |
2/22/13 |
| 25 |
$41.31 |
3/8/13 |
| 26 |
$41.31 |
3/22/13 |
| 27 |
$41.31 |
4/5/13 |
| 28 |
$41.31 |
4/19/13 |
| 29 |
$41.31 |
5/3/13 |
| 30 |
$41.31 |
5/17/13 |
| 31 |
$41.31 |
5/31/13 |
| 32 |
$41.31 |
6/14/13 |
| 33 |
$41.31 |
6/28/13 |
| 34 |
$41.31 |
7/12/13 |
| 35 |
$41.31 |
7/26/13 |
| 36 |
$41.31 |
8/9/13 |
Below is an EXAMPLE loan term with monthly installment payments. APR and Payment Total Amount will vary depending on individual loan length.
EXAMPLE LOAN $500 - Monthly Payments
| Annual Percentage Rate* |
Finance Charge |
Amount financed |
Total of payments |
| The cost of your credit as a yearly rate |
The dollar amount the credit will cost you |
The amount of credit provided to you on your behalf |
The amount you will have paid after you have made all payments as scheduled |
| 204% |
$1,126.35 |
$500 |
$1,626.35 |
*ANNUAL PERCENTAGE RATE: The APR is the cost of your loan expressed as a yearly rate. The above APR is based on example loan terms of eighteen (18) installments due over eighteen months. The APR will increase if the actual loan term is shorter than these examples, and will decrease if your loan term is longer.
EXAMPLE MONTHLY PAYMENT SCHEDULE
Example Loan Amount: $500 Example Loan Start Date: 4/1/12
| Number of Payments |
Amount of payments |
When payment is due |
| 1 |
$90.35 |
5/1/12 |
| 2 |
$90.35 |
6/1/12 |
| 3 |
$90.35 |
7/1/12 |
| 4 |
$90.35 |
8/1/12 |
| 5 |
$90.35 |
9/1/12 |
| 6 |
$90.35 |
10/1/12 |
| 7 |
$90.35 |
11/1/12 |
| 8 |
$90.35 |
12/1/12 |
| 9 |
$90.35 |
1/1/13 |
| 10 |
$90.35 |
2/1/13 |
| 11 |
$90.35 |
3/1/13 |
| 12 |
$90.35 |
4/1/13 |
| 13 |
$90.35 |
5/1/13 |
| 14 |
$90.35 |
6/1/13 |
| 15 |
$90.35 |
7/1/13 |
| 16 |
$90.35 |
8/1/13 |
| 17 |
$90.35 |
9/1/13 |
| 18 |
$90.35 |
10/1/13 |
Below is an EXAMPLE loan term with bi-weekly installment payments. APR and Payment Total Amount will vary depending on individual loan length.
EXAMPLE $1500 LOAN - Bi-Weekly Payments
| Annual Percentage Rate* |
Finance Charge |
Amount financed |
Total of payments |
| The cost of your credit as a yearly rate |
The dollar amount the credit will cost you |
The amount of credit provided to you on your behalf |
The amount you will have paid after you have made all payments as scheduled |
| 180% |
$2,861.66 |
$1500 |
$4,361.66 |
*ANNUAL PERCENTAGE RATE: The APR is the cost of your loan expressed as a yearly rate. The above APR is based on example loan terms of 36 installments due over eighteen (18) months. The APR will increase if the actual loan term is shorter than these examples, and will decrease if your loan term is longer.
EXAMPLE BI-WEEKLY PAYMENT SCHEDULE
Example Loan Amount: $1500 Example Loan Start Date: 4/1/2012
| Number of Payments |
Amount of payments |
When payment is due |
| 1 |
$111.84 |
4/13/12 |
| 2 |
$111.84 |
4/27/12 |
| 3 |
$111.84 |
5/11/12 |
| 4 |
$111.84 |
5/25/12 |
| 5 |
$111.84 |
6/8/12 |
| 6 |
$111.84 |
6/22/12 |
| 7 |
$111.84 |
7/6/12 |
| 8 |
$111.84 |
7/20/12 |
| 9 |
$111.84 |
8/3/12 |
| 10 |
$111.84 |
8/17/12 |
| 11 |
$111.84 |
8/31/12 |
| 12 |
$111.84 |
9/7/12 |
| 13 |
$111.84 |
9/21/12 |
| 14 |
$111.84 |
10/5/12 |
| 15 |
$111.84 |
10/19/12 |
| 16 |
$111.84 |
11/2/12 |
| 17 |
$111.84 |
11/16/12 |
| 18 |
$111.84 |
11/30/12 |
| 19 |
$111.84 |
12/14/12 |
| 20 |
$111.84 |
12/28/12 |
| 21 |
$111.84 |
1/11/13 |
| 22 |
$111.84 |
1/25/13 |
| 23 |
$111.84 |
2/8/13 |
| 24 |
$111.84 |
2/22/13 |
| 25 |
$111.84 |
3/8/13 |
| 26 |
$111.84 |
3/22/13 |
| 27 |
$111.84 |
4/5/13 |
| 28 |
$111.84 |
4/19/13 |
| 29 |
$111.84 |
5/3/13 |
| 30 |
$111.84 |
5/17/13 |
| 31 |
$111.84 |
5/31/13 |
| 32 |
$111.84 |
6/14/13 |
| 33 |
$111.84 |
6/28/13 |
| 34 |
$111.84 |
7/12/13 |
| 35 |
$111.84 |
7/26/13 |
| 36 |
$111.84 |
8/9/13 |
Below is an EXAMPLE loan term with monthly installment payments. APR and Payment Total Amount will vary depending on individual loan length.
EXAMPLE LOAN $1500 - Monthly Payments
| Annual Percentage Rate* |
Finance Charge |
Amount financed |
Total of payments |
| The cost of your credit as a yearly rate |
The dollar amount the credit will cost you |
The amount of credit provided to you on your behalf |
The amount you will have paid after you have made all payments as scheduled |
| 180% |
$2,906.03 |
$1500 |
$4,406.03 |
*ANNUAL PERCENTAGE RATE: The APR is the cost of your loan expressed as a yearly rate. The above APR is based on example loan terms of eighteen (18) installments due over eighteen months. The APR will increase if the actual loan term is shorter than these examples, and will decrease if your loan term is longer.
EXAMPLE MONTHLY PAYMENT SCHEDULE
Example Loan Amount: $1500 Example Loan Start Date: 4/1/12
| Number of Payments |
Amount of payments |
When payment is due |
| 1 |
$244.78 |
5/1/12 |
| 2 |
$244.78 |
6/1/12 |
| 3 |
$244.78 |
7/1/12 |
| 4 |
$244.78 |
8/1/12 |
| 5 |
$244.78 |
9/1/12 |
| 6 |
$244.78 |
10/1/12 |
| 7 |
$244.78 |
11/1/12 |
| 8 |
$244.78 |
12/1/12 |
| 9 |
$244.78 |
1/1/13 |
| 10 |
$244.78 |
2/1/13 |
| 11 |
$244.78 |
3/1/13 |
| 12 |
$244.78 |
4/1/13 |
| 13 |
$244.78 |
5/1/13 |
| 14 |
$244.78 |
6/1/13 |
| 15 |
$244.78 |
7/1/13 |
| 16 |
$244.78 |
8/1/13 |
| 17 |
$244.78 |
9/1/13 |
| 18 |
$244.78 |
10/1/13 |