Fees

The loan agreement is governed by the applicable laws of the state of Utah.

The Fee For Our Loans is $30.00 Per $100.00 Borrowed. The Annual Percentage Rate (A.P.R.) for our loans ranges from 365.00% to 1564.28%, depending on the term of your loan. Please refer to the table below to find your A.P.R.-

Term (days)	Loan Amount
	$200.00		$300.00		$400.00		$500.00
	Fee	A.P.R.	Fee	A.P.R.	Fee	A.P.R.	Fee	A.P.R.
7	$60	1564.28%	$90	1564.28%	$120	1564.28%	$150	1564.28%
8	$60	1368.75%	$90	1368.75%	$120	1368.75%	$150	1368.75%
9	$60	1216.67%	$90	1216.67%	$120	1216.67%	$150	1216.67%
10	$60	1095.00%	$90	1095.00%	$120	1095.00%	$150	1095.00%
11	$60	995.45%	$90	995.45%	$120	995.45%	$150	995.45%
12	$60	912.50%	$90	912.50%	$120	912.50%	$150	912.50%
13	$60	842.31%	$90	842.31%	$120	842.31%	$150	842.31%
14	$60	782.14%	$90	782.14%	$120	782.14%	$150	782.14%
15	$60	730.00%	$90	730.00%	$120	730.00%	$150	730.00%
16	$60	684.38%	$90	684.38%	$120	684.38%	$150	684.38%
17	$60	644.12%	$90	644.12%	$120	644.12%	$150	644.12%
18	$60	608.33%	$90	608.33%	$120	608.33%	$150	608.33%
19	$60	576.31%	$90	576.31%	$120	576.31%	$150	576.31%
20	$60	547.50%	$90	547.50%	$120	547.50%	$150	547.50%
21	$60	521.43%	$90	521.43%	$120	521.43%	$150	521.43%
22	$60	497.72%	$90	497.72%	$120	497.72%	$150	497.72%
23	$60	476.08%	$90	476.08%	$120	476.08%	$150	476.08%
24	$60	456.25%	$90	456.25%	$120	456.25%	$150	456.25%
25	$60	438.00%	$90	456.25%	$120	456.25%	$150	456.25%
26	$60	421.12%	$90	421.12%	$120	421.12%	$150	421.12%
27	$60	405.56%	$90	405.56%	$120	405.56%	$150	405.56%
28	$60	391.07%	$90	391.07%	$120	391.07%	$150	391.07%
29	$60	377.58%	$90	377.58%	$120	377.58%	$150	377.58%
30	$60	365.00%	$90	365.00%	$120	365.00%	$150	365.00%

How to determine your Due Date

EZPaydayCash.com provides short-term cash advances which is due on your next pay date, unless your next payday is less than 7 days away. In this case, we will debit your account on the following pay date after. The maximum term for our loans is 30 days.

If we do not hear from you prior to your loan due date, we will automatically debit the full loan balance from your account. If you do not want us to withdraw the full amount, you have the option to extend your loan until your next payday.
You are allowed up to two (2) extensions or rollovers with only minimum payment before we require you to pay down your principal. The maximum rollover period is 10 weeks or 70 days.
You may obtain an extension by paying at least enough to cover interest earned up to that point (usually the finance charge previously disclosed of $30 per $100 borrowed and APR (Annual Percentage Rate) ranges from 365% to 1,564%, depending on the terms of the extension ) We also recommend that you pay as much extra as you can to reduce the principal balance.
The extension amount will be withdrawn from your account on your due date. We must receive your extension request before 8:00 PM EST the day before your loan is due.
Please note that our NSF (non-sufficient funds) fee is $20.00

If you have any questions please contact us.

Consumer Notice: A payday advance is a small, short-term loan intended to cover a borrower's expenses until the next payday. Payday advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory assistance. Consumers are encouraged to learn more about the risks involved with payday advances, local laws and regulations that may apply to payday advances, possible loan alternatives and recent developments in their state.

Legal Disclaimer: EZPaydayCash.com is a legitimate direct lender authorized to lend money to genuine borrowers where the interest rate, term and maximum amount that can be borrowed are solely decided by the company. Without authentic and verifiable information in the application, funding by no means is guaranteed. Upon requirement, the prospective borrower is expected to provide additional document/information- failing which would result in rejection of the loan application. While reviewing loan applications, we typically do not perform credit checks with the three major credit reporting bureaus (Equifax, Experian and TransUnion). However, soft credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained in certain circumstances. You will not be charged any fees to use EZPaydayCash.com's service. Learn more by reading our Rates & Fees section. To change your communication preferences for this website or to submit a comment or question you can contact us.

Availability: Residents of some states may not be eligible for a payday advance based upon lender requirements. EZPaydayCash.com does not guarantee that completing an inquiry form will result in being offered a loan product with satisfactory terms or rates. It is also worth noting that any loan request submitted on Friday after 6:00 PM EST will be processed on the next business day. For inquiries related to our services you may Email us at support@ezpaydaycash.com