Know Before You Owe

| Disclosures for Nevada Loan Products (Unsecured Installment Loans and Auto Title Loans)

State

WHO IS THE CREDITOR?

CASH 1, LLC

View Licenses & Registration

ANNUAL PERCENTAGE RATE (APR)

  APR and Term Lengths for Unsecured Installment Loans and Auto Title Loans

Loan ProductEstimated APRLoan Term
Short-Term Installment Loan390%Up To 90 Days
Longer-Term Installment Loan 198.96%Up To 18 Months
Auto Title Loan ($150-$3,000) 240%Up To 210 Days
Auto Title Loan (Above $3,000)168%Up to 210 Days
IMPORTANT NOTICE

Unsecured Installment Loans and Auto Title Loans are expensive forms of credit and should be used for short-term financial needs only and not as a long-term financial solution. If you make larger payments, you will pay less interest and pay off your loan sooner.

COST COMPARISON CHART

| BASED ON $1,000 LOAN

TypeAPR30 Day Interest
Credit Card16%$13.33
Pawn Loan180%$150.00
Signature Loan199%$166.00
Auto Title Loan240%$200.00

LOAN COMPARISON CHART

| ESTIMATES BASED ON $1,000 LOAN

Loan ProductTermBiweekly PaymentsTotal PaymentsTotal Interest Paid
Payday Loan2 Weeks$1,180.00$1,180.00$180.00
Installment Loan*90 Days$263.94$1,583.67$583.67
Installment Loan*18 Months$80.91$3,155.33$2,155.33
Auto Title Loan210 Days$125.57$1,883.45$883.45
*NRS Chapter 604A categorizes both Short-Term and Longer-Term Unsecured Installment Loans as “High-Interest Loans.”

FEES

Document Preparation Fee:

$0

DMV Fee (Auto Title Loans only):

$20

Late Fee (Longer-Term Unsecured Installment Loans only):

$15

$15 for each installment payment that remains unpaid ten (10) or more days after its Due Date.

Database Fee (All loans):

$3

Prepayment Penalty:

If you pay off your loan early, there is no fee or penalty.

WARNINGS

Late payments, missed payments, or other defaults on your loan may be reported to consumer reporting agencies.

If you miss a payment and default on your Short-Term Unsecured Installment Loan, it is possible that a lawsuit could be brought against you.

If you miss a payment and default on your Auto Title Loan, it is possible that your vehicle could be repossessed.

LICENSES AND REGISTRATION

CASH 1 is licensed and regulated by the Nevada Financial Institutions Division.

Address: CASH 1 is licensed and regulated by the Nevada Financial Institutions Division.
Carson City, NV 89701
Phone: 775-687-5522
Fax: 775-687-5523

Licenses

QUESTIONS TO ASK YOURSELF

1. Is it necessary for me to borrow the money?

2. Can I afford to pay this loan back in full by the due date?

3. Will I be able to pay my regular bills and repay this loan?

4. Can I afford the extra charges, interest, and fees that may be applied if I miss or fail to make a payment?

5. Are other credit options available to me at this time?

CONTACT INFORMATION FOR CONSUMER COUNSELING

Customers with credit difficulties should seek credit counseling before entering into an Unsecured Installment Loan or Auto Title Loan.

Please see the following link to the U.S. Department of Justice website for a list of federally approved credit counseling agencies:

http://www.justice.gov/ust/eo/bapcpa/ccde/cc_approved.htm