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Utah Disclosure and
Fee Schedule

Hassle-Free Lending

Questions or Complains

For customer service issues, please call our customer service telephone number at (800) 589-0290.

If the problem cannot be resolved by speaking with one of our customer service agents, and the nature of the complaint is something other than a high rate of interest or lack of funds to pay the loan; then you may call the regulatory agency of the state in which you reside for regulatory relief, if warranted.

Utah residents may contact the Utah State Department of Financial Institutions at (801) 538-8830.

Residents of other states may contact the regulatory agency of the state in which they reside.

Happy couple reviewing their loan disclosure

How to Get Your Loan

We are registered with the Utah Department of Financial Institutions as Wilshire Consumer Credit.

Loan Details

  • Unsecured Loans: $2,000–$3,500
  • Secured Loans: $2,000–$25,000
  • Terms: 24–48 months
  • APR: 35.99%–149.99% (based on credit)

Repayment

  • No prepayment penalties
  • Pay off anytime
  • Interest applies only while balance is outstanding
  • Origination fee is non-refundable

Fees

Origination fee: 5% (e.g., $100 on a $2,000 loan)

More Information

View our Utah Business License via

NMLS Consumer Access

There is no prepayment penalty. This means that you can pay off your loan at any time without penalty, and you will only be charged interest during the time that you have an outstanding balance. However, the origination fee is non-refundable.

Utah's Range Rate

Loan Amount:

Loan Amount: $2,000

Annual Percentage Rate (APR) Interest Rate Number of Payments (Months) Loan Origination Fee Monthly Payment Amount Total Finance Charges
35.99%33.17%24$100.00$118.31$839.44
35.99%34.04%30$100.00$102.24$1,067.20
35.99%34.57%36$100.00$91.77$1,303.72
35.99%34.94%42$100.00$84.54$1,550.68
35.99%35.19%48$100.00$79.30$1,806.40
89.99%88.75%24$100.00$182.92$2,390.32
89.99%89.29%30$100.00$170.11$3,103.30
89.99%89.57%36$100.00$162.72$3,857.56
89.99%89.74%42$100.00$158.26$4,646.92
89.99%89.83%48$100.00$154.64$5,422.72
149.99%149.46%24$100.00$267.66$4,423.84
149.99%149.75%30$100.00$259.30$5,779.00
149.99%149.87%36$100.00$255.28$7,190.08
149.99%149.93%42$100.00$253.24$8,636.08
149.99%149.96%48$100.00$252.15$10,103.20

Loan Amount: $4,000

Annual Percentage Rate (APR) Interest Rate Number of Payments (Months) Loan Origination Fee Monthly Payment Amount Total Finance Charges
35.99%33.17%24$200.00$236.62$1,678.88
35.99%34.04%30$200.00$204.47$2,134.10
35.99%34.57%36$200.00$183.55$2,607.80
35.99%34.93%42$200.00$169.06$3,100.52
35.99%35.18%48$200.00$158.58$3,611.84
89.99%88.75%24$200.00$365.85$4,780.40
89.99%89.29%30$200.00$340.22$6,206.60
89.99%89.57%36$200.00$325.42$7,715.12
89.99%89.74%42$200.00$316.52$9,293.84
89.99%89.83%48$200.00$310.96$10,926.08
149.99%149.46%24$200.00$535.31$8,847.44
149.99%149.75%30$200.00$518.61$11,558.30
149.99%149.87%36$200.00$510.57$14,380.52
149.99%149.93%42$200.00$506.49$17,272.58
149.99%149.96%48$200.00$504.30$20,206.40

Loan Amount: $10,000

Annual Percentage Rate (APR) Interest Rate Number of Payments (Months) Loan Origination Fee Monthly Payment Amount Total Finance Charges
35.99%33.17%24$500.00$591.55$4,197.20
35.99%34.04%30$500.00$511.18$5,335.40
35.99%34.57%36$500.00$458.87$6,519.32
35.99%34.93%42$500.00$422.66$7,751.72
35.99%35.19%48$500.00$396.50$9,032.00
89.99%88.75%24$500.00$914.63$11,951.12
89.99%89.29%30$500.00$850.56$15,516.80
89.99%89.57%36$500.00$813.56$19,288.16
89.99%89.74%42$500.00$791.31$23,235.02
89.99%89.83%48$500.00$777.39$27,314.72
149.99%149.46%24$500.00$1,338.29$22,118.96
149.99%149.75%30$500.00$1,296.51$28,895.30
149.99%149.87%36$500.00$1,276.42$35,951.12
149.99%149.93%42$500.00$1,266.23$43,181.66
149.99%149.96%48$500.00$1,260.76$50,516.48