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Fees

Fees

The loan agreement is governed by the applicable laws of the state of Utah.

The Fee For Our Loans is $30.00 Per $100.00 Borrowed. The Annual Percentage Rate (A.P.R.) for our loans ranges from 365.00% to 1564.28%, depending on the term of your loan. Please refer to the table below to find your A.P.R.-


Term (days)
Loan Amount
 
$200.00
$300.00
$400.00
$500.00
 
Fee
A.P.R.
Fee
A.P.R.
Fee
A.P.R.
Fee
A.P.R.
7 $60

1564.28%

$90

1564.28%

$120 1564.28% $150 1564.28%
8 $60

1368.75%

$90

1368.75%

$120 1368.75% $150 1368.75%
9 $60

1216.67%

$90

1216.67%

$120 1216.67% $150 1216.67%
10 $60

1095.00%

$90

1095.00%

$120 1095.00% $150 1095.00%
11 $60

995.45%

$90

995.45%

$120 995.45% $150 995.45%
12 $60

912.50%

$90

912.50%

$120 912.50% $150 912.50%
13 $60

842.31%

$90

842.31%

$120 842.31% $150 842.31%
14 $60

782.14%

$90

782.14%

$120 782.14% $150 782.14%
15 $60

730.00%

$90

730.00%

$120 730.00% $150 730.00%
16 $60

684.38%

$90

684.38%

$120 684.38% $150 684.38%
17 $60

644.12%

$90

644.12%

$120 644.12% $150 644.12%
18 $60

608.33%

$90

608.33%

$120 608.33% $150 608.33%
19 $60

576.31%

$90

576.31%

$120 576.31% $150 576.31%
20 $60

547.50%

$90 547.50% $120 547.50% $150 547.50%
21 $60

521.43%

$90 521.43% $120 521.43% $150 521.43%
22 $60

497.72%

$90 497.72% $120 497.72% $150 497.72%
23 $60

476.08%

$90 476.08% $120 476.08% $150 476.08%
24 $60

456.25%

$90 456.25% $120 456.25% $150 456.25%
25 $60

438.00%

$90 456.25% $120 456.25% $150 456.25%
26 $60

421.12%

$90 421.12% $120 421.12% $150 421.12%
27 $60

405.56%

$90 405.56% $120 405.56% $150 405.56%
28 $60

391.07%

$90 391.07% $120 391.07% $150 391.07%
29 $60

377.58%

$90 377.58% $120 377.58% $150 377.58%
30 $60

365.00%

$90 365.00% $120 365.00% $150 365.00%

How to determine your Due Date

EZPAYDAYCASH.com provides short-term cash advances which is due on your next pay date, unless your next payday is less than 7 days away. In this case, we will debit your account on the following pay date after. The maximum term for our loans is 30 days.

  • If we do not hear from you prior to your loan due date, we will automatically debit the full loan balance from your account. If you do not want us to withdraw the full amount, you have the option to    extend your loan until your next payday.
  • You are allowed up to two (2) extensions or rollovers with only minimum payment before we require you    to pay down your principal. The maximum rollover period is 10 weeks or 70 days.
  • You may obtain an extension by paying at least enough to cover interest earned up to that point    (usually the finance charge previously disclosed of $30 per $100 borrowed and APR (Annual    Percentage Rate) ranges from 365% to 1,564%, depending on the terms of the extension ) We also    recommend that you pay as much extra as you can to reduce the principal balance.
  • The extension amount will be withdrawn from your account on your due date. We must receive your    extension request before 8:00 PM EST the day before your loan is due.
  • Please note that our NSF (non-sufficient funds) fee is $20.00

If you have any questions please contact us.

*I have read and understand the Terms and Conditions & Privacy Policy of this loan.

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Applying Does NOT Affect Your Credit Score

Consumer Notice: A payday advance is a small, short-term loan intended to cover a borrower's expenses until the next payday. Payday advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory assistance. Consumers are encouraged to learn more about the risks involved with payday advances, local laws and regulations that may apply to payday advances, possible loan alternatives and recent developments in their state.

Legal Disclaimer: EZPaydayCash.com is a legitimate direct lender authorized to lend money to genuine borrowers where the interest rate, term and maximum amount that can be borrowed are solely decided by the company. Without authentic and verifiable information in the application, funding by no means is guaranteed. Upon requirement, the prospective borrower is expected to provide additional document/information- failing which would result in rejection of the loan application. While reviewing loan applications, we typically do not perform credit checks with the three major credit reporting bureaus (Equifax, Experian and TransUnion). However, soft credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained in certain circumstances. You will not be charged any fees to use EZPaydayCash.com's service. Learn more by reading our Rates & Fees section. To change your communication preferences for this website or to submit a comment or question you can contact us.

Availability: Residents of some states may not be eligible for a payday advance based upon lender requirements. EZPaydayCash.com does not guarantee that completing an inquiry form will result in being offered a loan product with satisfactory terms or rates. It also worth noting that any loan request submitted on Friday after 6:00 PM EST will be processed on the next business day. For inquiries related to our services you may Email us at support@ezpaydaycash.com

****Loans are NOT available to residents of Arizona, Colorado, Georgia, Kansas, Massachusetts, Minnesota, New York, New Hampshire, Oregon,
Pennsylvania, Tennessee, Vermont, Washington, West Virginia, Puerto Rico****