Usually we lend money for a short term - 12 month or less (up to 36 month plans available). You can pay our loan off at any time without any penalties. Example: You borrow $5,000 with a 24 month repayment plan. You are planning to pay it back within 3 months. Considering Annual percentage rate (APR) 46.5% - you will be making monthly payments of $323.75. At the end of a 3 months period you will have to pay back $4,594.69. Your interest cost for 3 month is $565.94. This as high cost credit loan for emergencies with SAME day funding*. If you have more questions call or text us at our office line 1-800-674-9585. We are here to help. Check our testimonials. *if application and documents received before noon