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Nevada Rates & Terms

Nevada Rapid Cash loan agreements are governed by the State of Nevada.

View example finance charges.

In the example of a $500 loan, the borrower makes 5 payments of $128.83 every two weeks and a final payment of $128.86.

Loan Amount:
(amount financed)
$500
Finance Charge:
(cost of loan)
*Assuming all payments
are made as scheduled
$273.01
Total Repayment Amount:
(principal plus finance charges)
$773.01
Loan Term: 77 days
APR**: 438.78%

In the example of a $1,000 loan, the borrower makes 5 payments of $257.67 every two weeks and a final payment of $257.65.

Loan Amount:
(amount financed)
$1,000
Finance Charge:
(cost of loan)
*Assuming all payments
are made as scheduled
$546.00
Total Repayment Amount:
(principal plus finance charges)
$1,546.00
Loan Term: 77 days
APR**: 438.78%

In the example of a $1,500 loan, the borrower makes 5 payments of $386.50 every two weeks and a final payment of $386.55.

Loan Amount:
(amount financed)
$1,500
Finance Charge:
(cost of loan)
*Assuming all payments
are made as scheduled
$819.05
Number of Payments: 5
Total Repayment Amount:
(principal plus finance charges)
$2,319.05
Loan Term: 77 days
APR**: 438.79%

**Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate. The APR will increase if the actual loan term is shorter than these examples, and will decrease if your loan term is longer.

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Online Installment Loan Questions

How much money can I get?

Nevada residents may be eligible to receive up to $1,500 with an online installment loan.

When will my installment loan be due?

Your loan will be paid back in installments over a maximum term of 90 days. The frequency of your payments will be determined by your pay cycle.

How much do installment loans cost?

Installment loans accrue interest daily. The amount of interest that you pay will be determined by the amount of time your installment loan is outstanding. Rapid Cash encourages you to pay more than the minimum amount due and pay off early if possible to save money that would otherwise accrue.

Nevada Rapid Cash loan agreements are governed by the State of Nevada.

View example finance charges.

Principal Amount
(amount financed)
$100
Finance Charge
(cost of loan)
$25.00
Total Repayment Amount:
(principal plus finance charges)
$125.00
APR**: 651.79% APR for a 14-day loan term
304.17% APR for a 30-day loan term
Principal Amount
(amount financed)
$200
Finance Charge
(cost of loan)
$50.00
Total Repayment Amount:
(principal plus finance charges)
$250.00
APR**: 651.79% APR for a 14-day loan term
304.17% APR for a 30-day loan term
Principal Amount
(amount financed)
$300
Finance Charge
(cost of loan)
$75.00
Total Repayment Amount:
(principal plus finance charges)
$375.00
APR**: 651.79% APR for a 14-day loan term
304.17% APR for a 30-day loan term
Principal Amount
(amount financed)
$400
Finance Charge
(cost of loan)
$100.00
Total Repayment Amount:
(principal plus finance charges)
$500.00
APR**: 651.79% APR for a 14-day loan term
304.17% APR for a 30-day loan term
Principal Amount
(amount financed)
$500
Finance Charge
(cost of loan)
$125.00
Total Repayment Amount:
(principal plus finance charges)
$625.00
APR**: 651.79% APR for a 14-day loan term
304.17% APR for a 30-day loan term

**Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate. The above APRs are based on example loan terms of one payment ("Total Repayment Amount") due in 14 or 30 days. The APR will increase if the actual loan term is shorter than these examples, and will decrease if your loan term is longer.

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Online Payday Loan Questions

How much money can I borrow?

Nevada residents may be eligible to receive up to 25% of their gross monthly income with an online payday loan from Rapid Cash, up to $1,500.

When will my payday loan be due?

Usually, your loan will be due on your next pay day.

What if I can't pay off my payday loan; can I get an extension?

Yes. In accordance with Nevada law, you may refinance — or rollover — your loan by paying just the fees associated with your loan. When you do this, you will sign new loan documents which will renew your loan for another term. According to Nevada law, you must pay your balance in full within 60 days of the original loan date. If you need more cash after you pay off your loan, you will immediately be eligible to re-apply once your loan is paid in full.

You may also make partial payments in increments of at least five dollars ($5.00) on the principal owed on the deferred deposit loan at any time prior to maturity without incurring any additional charges above the charges provided in the written contract. Payments may be made by calling Customer Service, paying with cash at one of our stores or sending a cashier's check or money order to our offices.

Rapid Cash is regulated by the State of Nevada.
You may contact the State with any complaints or concerns at:
Financial Institutions Division
1179 Fairview Dr., Suite 201
Carson City, NV 89701
Phone: 1-775-687-5522
Fax: 1-775-687-5523

Office of the Commissioner:
Phone: 1-866-858-9851

http://fid.state.nv.us

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Product types and maximum loan amounts vary by market. Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. 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.

Short term loans should be used for short-term financial needs and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

The credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.

Instant funding is not applicable for all debit cards and is not available in New Mexico, Ohio or South Carolina. Subject to system limitations. Some restrictions may apply.

Cash advances only available up to approved credit limit; some restrictions may apply.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

Alabama: Minimum age to apply in Alabama is 19.

California: Speedy Cash is licensed by the Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Financing Law.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

New Mexico: Speedy Cash is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website http://www.rld.state.nm.us/financialinstitutions/.

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.

Texas: Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, first contact MoneyGram Payment Systems, Inc. at 1-800-MONEYGRAM. If you still have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking: 2601 North Lamar Boulevard, Austin, TX 78705-4294, 1-877-276-5554 (toll free), www.dob.texas.gov.

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