Fee Schedule | Lend-A-Dollar: Personal Loans, Lines of Credit, Cash Advance

Fee Schedule Missouri

Schedule examples, returned item fees and late fees

Florida Financial Management, LLC d/b/a Lend A Dollar is regulated by: Missouri Division of Finance, P.O. Box 716 Jefferson City, MO. 65102-0716, (573)-751-3463

SCHEDULED PAYMENT PRODUCT (3 EXAMPLE SCHEDULE)

Amount of Loan	Loan Terms (Days)	Interest Paid to Lender	Total of Payments	Each of the 11 Installments	Annual Percentage Rate
$300	154	$989.54	$989.54	$89.96	730%
$500	154	$1649.19	$1649.19	$149.93	730%
$800	154	$2638.34	$2638.34	$239.84	730%

Actual costs can vary depending on the amount of the loan, term of the loan and the repayment schedule (including bank holidays). This chart assumes that the Loan term is 154 days and payments will be made bi-weekly and the first payment occurs on the 14th day after Loan origination.

Loan Origination Fee (Prepaid Finance Charge):

You agree to pay us a loan origination fee equal to 10% of the Amount Financed for this Loan Agreement, up to a maximum of $100. This loan origination fee is fully earned at the time the loan proceeds for this Loan Agreement are disbursed and will not be refunded upon any prepayment or acceleration of the Loan Agreement.

LATE CHARGE:

If your scheduled payment is in default for 15 or more days, you will owe us a late charge of $15.00, provided that if the scheduled payment in default is $25 or less, we will not charge a late charge.

RETURNED ITEM FEE:

If any item, including a check or like instrument, that is presented by you for payment on this loan is returned unpaid for any reason by any financial institution, you agree to pay us a reasonable service fee of $25. To the extent we are assessed a fee by your financial institution for the returned item, you may also be required to pay us an amount equal to the actual fees charged to us by the financial institution for any item that is returned unpaid.

Texas Customers: Lend A Dollar is a Credit Access Business in Texas doing business in accordance with Chapter 393 of the Texas Finance Code. Lend A Dollar does not make credit decisions and does not offer loans in Texas. Lend A Dollar arranges and services your loan for a fee. In Texas, loans are made by an unaffiliated third party lender, and all credit decisions will be made by the third party lender. The lender may perform a credit check or otherwise verify the information you provide. The lender may not offer loans up to the advertised amount and it may not provide you with the loan amount you requested. Loan amounts are determined by the lender based on individual creditworthiness. You are NOT required to accept the terms of the loan that a lender offers you. If you don’t agree with or don’t like the terms of the loan offered by the lender, do not electronically sign the loan documents.

For details, questions, or concerns regarding your loan please contact us directly. In some situations, faxing or emailing of documents may be required. Consumer Notice: An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges. Borrow Responsibly – Late or missed loan payments may result in additional finance charges and fees, your account falling into collections, and may negatively impact your credit history. Consumers experiencing credit difficulties should seek credit counseling or meet with a nonprofit financial counseling service in their community. Every loan, no matter how big or small, is a debt that must be repaid. If a loan is not paid when due it may result in: Additional finance charges and fees, The account falling into collections, Negatively impacting your credit history. It is important to understand the terms and conditions as well as the resulting obligations of your loan before signing the agreement. Please read the loan document carefully, review the financial implications of late and non-payment, and ask your Lender to explain anything you don’t fully understand. If you are having trouble making your loan payment, give your Lender a call. They may be able to work with you to refinance or extend your loan. The options available depend on your Lender’s policies, your state and local laws, and other factors. However, keep in mind that extending or refinancing your loan will result in additional finance charges and fees. Only your Lender can provide the specific repayment options and details if you can’t repay your loan on time. Responsible Borrowing: Florida Financial Management LLC strives to connect you with a long-term financial solution and adheres to the OLA Responsible Lending Policy. A short-term loan is an expensive form of credit intended for short-term financial needs only, and should not be used as a long-term financial solution. Before taking out a loan consider how it will affect your finances in the future. We recommend creating a realistic budget that includes the loan payment. If you don’t have enough money to pay all of your living expenses, debts, and the loan payment you should reconsider the loan because owing more than you can afford to repay can damage your credit for years to come. Please follow these responsible borrowing practices: Consider all your options, Borrow only what you can afford to repay, Provide complete and accurate information to the Lender, Read the terms and conditions carefully, Ask questions if you don’t understand something, Budget for repayment, Avoid over-borrowing. Consumer Advisory: Our lender partners will never ask for advance payment.

* - Actual cost might vary depending on the Lender and repayment schedule. $1 per day for every $50 borrowed is representative of a 730% APR. ** - Instant Funding is only available to selected VIP customers subject to payment processor availability.