NCRU Financial Services Rates and Terms

Utah Rates & Terms

Loan Amount and Terms:

Standard re-payment terms: 14 days to 12 weeks
Maximum Loan Amounts: up to $54,600
Minimum Loan Amounts: No Minimum
Loan License: (click to view)

Cost of Credit

The chart below represents illustrative examples of the cost of a $600 loan. Rates and terms vary based on loan amount. Please see your loan agreement for the annual percentage rate (APR) and other terms applicable to your loan. If you have any questions, or would like more information, please ask. Make certain the questions that you ask are answered. Make certain you understand the terms and costs of your loan.

Installment Loans: Biweekly Customer - Thirteen (13) Payments

Annual Percentage Rate Finance Charge Amount financed Total of payments
The cost of your credit as a yearly rate The dollar amount the credit will cost you The amount of credit provided to you on your behalf The amount you will have paid after you have made all payments as scheduled
393.06% $880.12 $600.00 $1,480.12

Illustrative example of the terms of repayment with a loan date of: 07/01/2016

Payment Schedule:

Payment NumberAmount of paymentsWhen payments are due

** This Consumer Installment Loan Rate Schedule provides an illustrative example of a typical extension of credit we offer to qualified applicants. The APRs noted above are for a $600 loan repayable in thirteen biweekly payments. APRs range from 199.00% to 449.00%. We offer a range of possible combinations of credit terms. The terms listed in this Consumer Installment Loan Rate Schedule may be offered for only a limited period of time and may differ from your loan agreement.

Governing Law

The loan agreement will be governed by the applicable laws of your state. Questions or complaints should be directed to your state's regulatory agency

*NCRU Financial Services, LLC and third-party lender funds are generally deposited via ACH for delivery next business day if approved by 5pm EST Mon. - Fri.

We are licensed by the State of Utah / Division of Finance and have a license for Consumer Installment Lender Loan business (view), expiry: Jan 31st.

**Not all loan applications or extension requests are approved. Due to state and verification requirements, not all applicants for online loans may be eligible for instant approval by NCRU Financial Services, LLC or third-party lenders.

***Some customers applying for NCRU Financial Services, LLC or third-party lender loans may be required to submit additional documentation due to state law and qualification criteria.

† NCRU Financial Services, LLC or third-party lender does not perform traditional credit checks as part of its credit transaction approval process, but does verify applicant information via national databases. If you have defaulted on past transactions, you may be declined for a cash advance from NCRU Financial Services, LLC.

‡ Maximum funded amount for NCRU Financial Services, LLC or third-party lender loans depends on qualification criteria and state law. See Rates & Terms for details.

++Please see Rates & Terms to check the availability of online loans and extensions in your state. NCRU Financial Services, LLC is not a lender in all states.

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.