Fees and Annual Percentage Rates

For any loan made which is secured by a lien against the borrower's motor vehicle (a "title loan") this lender charges Interest at an Annual Percentage Rate (APR) from 125.99% to 302.99%.

In addition, the borrower will be responsible to pay for the following fees:

Lien Perfection Fee - A fee that is charged by the state government of the state in which the motor vehicle is licensed. For Utah titles, the lien fee is $6.00.
Title Verification Fee - A fee that is charged by public officials to verify the accuracy and authenticity of a tile. For Utah titles, the title verification fee is $2.00.
Late Fee - If a payment is 5 days late, the borrower is charged 5%of the unpaid portion of the payment or $30.00, whichever is greater.
Document Processing Fee - A fee that is charged for the preparation of the documents/contract $14.99.
In the Case of Repossession - If the borrower chooses to redeem the motor vehicle after repossession, the borrower will need to pay all reasonable repossession and storage costs incurred by the lender

Interest on a Typical Loan of $500

APR*	30 Day Single Payment Plan		6 Month Amortized		12 Month Amortized		18 Month Amortized
APR*	Payment*	Finance Charge**	Monthly Payment***	Finance Charge**	Monthly Payment***	Finance Charge**	Monthly Payment***	Finance Charge**
302.99%	$626.25	$126.25	$170.38	$522.28	$135.33	$1,123.96	$128.48	$1,812.64
272.99%	$613.75	$113.75	$160.74	$464.44	$124.38	$992.56	$116.66	$1,599.88
234.99%	$597.91	$97.91	$148.80	$392.80	$110.88	$822.76	$101.99	$1335.82
229.99%	$595.83	$95.83	$147.25	$383.50	$109.14	$812.80	$100.09	$1,301.62
203.99%	$585.00	$85.00	$139.30	$335.80	$100.23	$702.76	$90.35	$1,126.30
184.99%	$577.08	$77.08	$133.60	$301.60	$93.88	$626.56	$83.39	$1,001.02
165.99%	$569.16	$69.16	$127.99	$267.94	$87.69	$552.28	$76.60	$878.80
152.99%	$563.75	$63.75	$124.20	$245.20	$83.54	$502.48	$72.06	$797.08
145.99%	$560.83	$60.83	$122.18	$233.08	$81.34	$476.08	$69.65	$753.70
125.99%	$552.50	$52.50	$116.49	$198.94	$75.19	$402.28	$62.93	$632.74

*APR or Annual Percentage Rate is the cost of your credit as a yearly rate.
**Finance Charge (Interest) is the dollar amount the credit will cost you.
***Monthly Payment is the monthly payment of principal and interest due on the same day each month.

Fees:

Lien Perfection Fee – A fee that is charged by the state government of the state in which the motor vehicle is licensed. For Utah titles, the lien fee is $6.00.
Title Verification Fee – A fee that is charged by public officials to verify the accuracy and authenticity of a title. For Utah titles, the verification fee is $2.00.
Document Preparation Fee – A fee that is charged for the preparation of the documents/contract $14.99.
Late Fee – If a payment is 5 days late, the borrower is charged 5%of the unpaid portion of the payment or $30.00, whichever is greater.
Document Preparation Fee – A fee that is charged for the preparation of the documents/contract $14.99.
In the Case of Repossession – If the borrower chooses to redeem the vehicle after repossession, the borrower will need to pay all reasonable repossession and storage costs incurred by the lender.