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APR Representative: APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since Our Payday Loan Service is not a lender and has no information regarding the terms and other details of short-term loan products offered by lenders individually, Our Payday Loan Service cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant. Additional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with Our Payday Loan Service, and Our Payday Loan Service has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a short-term product.
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