Truth In Lending

Understanding Truth in Lending: Your Financial Rights Explained

Federal Truth in Lending Act (T.I.L.A) Disclosure

Regulation B in Federal Law prohibits the consideration of Age, Sex, Race, Ethnicity, Gender, National Origin, or Handicap as a basis for making anyone a loan (as in our cash advance program). EzPaydayCash, through its website does not discriminate based on any of these factors. In addition EzPaydayCash will not enter into or maintain vendor/reciprocal information service type relationships with anyone who does not conform to these anti-discriminatory practices.

Regulation Z in Federal Law requires the full disclosure of all costs and terms associated with any credit purchase or transaction (such as this cash advance) and further requires that the costs associated with the transaction be expressed as an annual percentage rate of interest or A.P.R. Below all costs, terms and rates associated with the EzPaydayCash are given.

The services provided for cashing a check are considered a Deferred Presentment Loan, and as such, all fees are defined accordingly. In the event this transaction is within the broad scope of 15 U.S.C. 1601 et seq., we are providing you with the Truth in Lending Disclosures set forth below solely for your information. This document is for disclosure purposes only and does not affect the character of the fee or transaction under Utah Law.

Your Lender provides short-term payday loans in which your check is held for deposit until your next payday, unless your next payday is less than 7 days away. In this case your check will be held until your second payday. The maximum advance term is 30 days.

With a cash advance, you are charged a flat fee no matter when your advance is repaid (subject to the 30 day maximum term). Because the fees are fixed per loan amount, the Annual Percentage Rate (APR) will vary depending on the number of days that pass between the date you receive your advance and the day your check is deposited. You may be entitled to a prorated refund depending on the date of payment.

Although payday loans are for short-term needs and are intended to be paid off quickly, various Truth-in-Lending laws require financing disclosures to be expressed as an Annual Percentage Rate (APR), or the cost of the credit advanced to you expressed as an annual rate. This requirement provides uniformity among various credit sources, so you can compare rates and make the choice that is right for you.

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%

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