APR (Annual Percentage Rate)

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APR (Annual Percentage Rate)

Annual Percentage Rate includes the rate of interest and other fees charged on a sum borrowed. It is calculated annually by taking into account the total amount borrowed, all the fees associated with the transaction and the time period for which the loan has been taken.

APR and credit score

Annual Percentage Rate depends upon your creditworthiness and this can be determined from your tendency and ability to repay your loans. The more your credit score is, the lower your APR will be. For example, if you have a credit score of 850 to 720, you will be offered an APR of 10% to 12%. On the other hand, one with a score of 300 to 640 will have to bear it as high as 28% to 32%.

However, this may not be the parameter to determine the APR of every lender. The payday lenders, who do not perform any credit check will not consider high credit score only and hence, the poor credit borrowers will still have chances to get financial assistance, in spite of having a lower credit score.

Factors affecting the APRs

There are a few factors other than credit scores that affect the Annual Percentage Rate, such as:

Type of Credit - It is very important for you to know that the type of credit you borrow will definitely affect your APRs. For example, if you get a secured loan like car title loans, the APR is lower.
Search for lenders - Researching for more lenders around you may help you to get a better loan deal with a lower interest rate as per the lender's loan terms.
Your annual income - The APR will always depend on your capacity of repayment. So, the higher your income is, the lower the percentage of APR is charged.
Stability of employment - Your stability on your jobs will increase your chances of getting lower APRs.

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We are registered with Utah's Department of Financial Institution to provide Consumer Credit. If you submit this application via the internet to us, we will receive and process it the same as if you submitted it to us in person thereby making Utah the place of negotiation, execution and performance of all applications and/or agreement. If we approve your application, the funds will be disbursed from our account in Utah. Utah law governing consumer loan agreements may differ from the laws of the state where you reside. Applicant is responsible for complying with all statutory obligations regarding obtaining loans by internet that may exist in their state of residence. This service may or may not be available in your particular state.

CashAmericaToday does not perform any credit checks through the three major credit bureaus Experian, Equifax or TransUnion. We collect required information regarding debtors' creditworthiness from a third party source.

Approval time depends on the authenticity and verifiability of your documents. You might be requested to provide further information if required. Note that we do not approve all the loan requests. On the basis of state laws and your repayment ability, the terms and rates may vary. Any loan requested on Friday after 6:00 PM CST will be processed on the next business day which is usually Monday- unless it is a holiday.

Should you have any doubts, please call our customer support at (855) 840-5688, Monday-Thursday: 7:00 AM to 4:30 PM (CST) or email to support@cashamericatoday.com.

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