The APR shown above is an estimate/example which is based on the terms displayed and assumes adherence to scheduled payment(s). Actual APR may vary based on various factors such as state, loan term, loan product type, additional fees and/or other underwriting considerations including credit qualification on certain products. For more details please contact a location nearest you or utilize our live chat option.
When we extend credit, we provide a credit agreement and related disclosures that contain important information about the cost and terms of credit. We cannot pursue criminal action against uncollected debts. For example, our credit agreement and related disclosures will disclose when payments are due, any fees due if a payment is late or returned to us unpaid by your financial institution, and the finance charges due for the extension of credit. The Annual Percentage Rate ("APR") that applies will depend on the amount and type of credit you request, where you live, your repayment period, state law, and other factors. The APR for personal loans can range from 185% to 586.60%. Loans are not renewed automatically. Whether you have the option of renewing a loan can vary based on factors such as state law, our credit policies, and the type of credit you request. The fees we may assess and other conditions that apply if you ask to renew a loan will be described in the credit agreement and related disclosures. Click here for more details about our consumer loan products and where they are available.
Our efforts to collect past due accounts will be conducted in a professional and fair manner that complies with applicable law. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. For customers having difficulty repaying their loan, repayment plans may be available and vary by state. For additional information, please contact your nearest store location.
All credit is subject to our approval. Certain limitations apply. See your local store for details. Due to state and verification requirements, not all applicants for online request may be eligible for instant approval by Minute Loan Center. Some customers applying for Minute Loan Center loans may be required to submit additional documentation due to state law and qualification criteria. See your local Minute Loan Center for more information.
Minute Loan Center does not perform traditional credit checks as part of its credit transaction approval process, but does verify applicant information via national databases including, but not limited to, Clarity.
Personal loans should be used only for unexpected financial needs, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.
California residents: Licensed by the California Department of Business Oversight to provide deferred deposit loans pursuant to the California Deferred Deposit Transaction Law. See license.
Delaware Residents: Licensed by the Delaware State Bank Commissioner to engage in business in Delaware. See licenses.