Usually we lend money for a short term - 12 month or less (up to 3 years plans available). Typically our borrowers pay us back within 3 months. Example: You borrow $5,000 and you are planning to pay it back within 3 months. You will be making payments of $323.75 per month (if you choose P+I payments on 24 month term). At the end of a 3 months period you will have to pay back $4,594.69. Your interest cost for 3 month is below $570. Which is not much, considering this as an emergency cash program with SAME day funding (if application and documents received before noon). If you have more questions message/text us or call our office 1-800-674-9585