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Washington Rates & Terms

Washington State License
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Washington Rapid Cash loan agreements are governed by the State of Washington.

View example finance charges.

Advance Amount:
(amount financed) 		$100
Finance Charge:
(cost of loan)
*Assuming all payments
are made as scheduled 		$15.00
Check Amount:
(total of payments) 		$115.00
APR**: 391.07% APR for a 14-day loan term
182.50% APR for a 30-day loan term
Advance Amount:
(amount financed) 		$200
Finance Charge:
(cost of loan)
*Assuming all payments
are made as scheduled 		$30.00
Check Amount:
(total of payments) 		$230.00
APR**: 391.07% APR for a 14-day loan term
182.50% APR for a 30-day loan term
Advance Amount:
(amount financed) 		$300
Finance Charge:
(cost of loan)
*Assuming all payments
are made as scheduled 		$45.00
Check Amount:
(total of payments) 		$345.00
APR**: 391.07% APR for a 14-day loan term
182.50% APR for a 30-day loan term
Advance Amount:
(amount financed) 		$400
Finance Charge:
(cost of loan)
*Assuming all payments
are made as scheduled 		$60.00
Check Amount:
(total of payments) 		$460.00
APR**: 391.07% APR for a 14-day loan term
182.50% APR for a 30-day loan term
Advance Amount:
(amount financed) 		$500
Finance Charge:
(cost of loan)
*Assuming all payments
are made as scheduled 		$75.00
Check Amount:
(total of payments) 		$575.00
APR**: 391.07% APR for a 14-day loan term
182.50% 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 ("Check 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?

Washington residents may be eligible to receive up to $700 with an online payday loan from Rapid Cash.

When will I have to repay my loan?

Your loan will typically be due on your next pay day.

Can I get an extension on my loan?

Your right to an installment plan.

You have a right to an installment plan when you are unable to pay your small loan when it is due. If you will be or are unable to pay your loan when it is due, you may convert your loan to an installment plan with us by notifying us on or before the loan's due date. If your loan amount is four hundred dollars or less, you may enter into an installment plan that allows you to pay off your loan in substantially equal payments over ninety (90) days. If your loan amount is more than $400, you may enter into an installment plan that allows you to pay off your loan in substantially equal payments over one hundred eighty (180) days.

An installment plan will allow you to pay all that you owe without having to pay any additional fees, interest charges or other charge for converting your small loan into an installment plan. If the request for an installment plan is made on the due date, it must be made no later than 3:00pm pacific time.

What if I decide I don't need the loan?

Your right to rescind (cancel) this loan.

You have the right to rescind (cancel) this loan by returning the amount of the loan in cash, or returning the check given to you by us to our office by the close of business on our next business day following the date of this loan. We may not charge you for canceling the loan and we will return to you any postdated check or electronic equivalent you have given to 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 Ohio, Oklahoma, Oregon, 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: Deferred deposit loans are provided in accordance with the Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law, Cal. Fin. Code §23000 et seq.

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.

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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