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What to Expect When You Apply Your level of financial distress These loans often have very high interest, but are available to anyone, regardless of credit history . A job and a checking account are usually required. In most cases the funds are deposited to the borrowersâ checking account and the payments are then withdrawn from the borrowerâs checking account. The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on.
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