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It is not required by any federal, state or local law. Our lenders may offer you a loan with an APR between 20 and 300. The APR on a small dollar, short term loan represents the amount of exchange bank personal loans loan, cost of the loan, term of the loan and repayment amounts and timing. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term.
Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range noted above. This is an expensive form of credit.