Rates & Interest for an Online Installment Loan

Loan Amount

The minimum loan amount is $200.00.

The maximum loan amount will be $1500.00 *.

* The maximum loan amount for first-time customers is up to $300.

Cost of your Installment Loan:

The APR and total payments due will be disclosed on your loan agreement. The number of payments, payment amounts and payment dates will all be included in your loan agreement. For specific details and fees on your loan, please refer to your loan agreement. Non-sufficient funds / late fees and returned item fees may apply as described in your loan agreement. Examples of the total payments charged for your loan are provided in the table below. Additional payments must be made in $50 increments. To minimize the cost of your loan, we strongly recommend that you pay your loan in full or make additional payments as soon as you can. There are no penalties for early payoff.

Schedule of Payments:

Your full payment schedule will be included in your loan agreement. The quicker you can pay off our loan, the less the loan will cost. You can reduce the total cost of the loan by paying off your loan prior to your last due date on your payment schedule or by making additional payments on or between your payment due dates. We do not charge any prepayment penalties, and you may pay off your loan whenever you want after paying any outstanding interest.

Below is a sample schedule of payments for a loan of $300. The APR may vary based on your total loan duration and funded amount. Remember that the sooner that you pay back your loan, the less your total loan cost will be. Remember that the sooner you pay your loan in full and/or make additional payments towards your loan, the less your total loan cost will be.  If you are interested in quickly paying back your loan, please contact us about our payment options which are highlighted below:

Payment  Schedule Fee’s

Approximate Payback Option for a Loan of $300 For 6 Months with bi-weekly payments. The APR is 730%. The Total Finance Charges are $828.17.
Each payment will be debited over your next 12 pay periods. Each Payment cannot exceed 15 days.

Payment NumberPayment AmountInterest PaidPrinciple PaidPrinciple Balance
1$94.04$90.00$4.04$295.96
2$94.04$88.79$5.25$290.71
3$94.04$87.21$6.83$283.88
4$94.04$85.16$8.88$275.00
5$94.04$82.50$11.54$263.46
6$94.04$79.04$15.00$248.46
7$94.04$74.54$19.50$228.96
8$94.04$68.69$25.35$203.61
9$94.04$61.08$32.96$170.65
10$94.04$51.19$42.85$127.80
11$94.04$38.34$55.70$72.10
12$93.73$21.63$72.10$0.00

Timeframe of Funding

Applications processed and approved before 4pm EST Monday – Friday are typically funded on the next business day. You can request same day funding up to 4pm EST Monday – Friday or next day wire transfer for loans processed on weekends or bank holidays for an additional fee. Please see your loan agreement for specific fees. Your bank may assess additional incoming wire fees.

NSF and Late Fees

If a successful payment is not made by your payment due date, you will be assessed an NSF or late fee of $25.  Late fees are assessed if payment is not made within three days of your payment due date.

Please note: Our installment loans are an expensive way to borrow. Our loans are designed to help you with your short-term borrowing needs. They are not intended to be a long term financial solution. Taking a cab from the airport to your home may be a good idea, but taking a cab across the country may not. Some reasons for using these loans might be for an unexpected emergency, medical bill, car repair, or important travel expense.

**Fatmoneyloans.com does not “pull your credit” by using Equifax, Experian, or TransUnion. We do verify applicant information through national databases including, but not limited to, CLVerify, Clarity, IDology , and Data X.

We do not solicit business in the following states: Arizona, Connecticut, Maryland, Massachusetts, North Carolina, Pennsylvania, Vermont, West Virginia, Georgia, New York, New Jersey, Arkansas, Oregon, Maine, Ohio, New Hampshire, Montana, Colorado, Michigan and Washington DC.

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