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Internet Lending – Fee Schedule

Term is 9 days to 35 days based on pay date
Amounts from $200.00 to $1,000
The CSO fee is $30.00 per $100 borrowed

SINGLE PAYMENT PAYDAY LOANS - INTERNET
Amount Received Standard Loan Term Standard Rate
(Cab Fee)
Lender Interest
($ Amount)
Total Amount Due Annual Percentage Rate
$200.00 14 Days $60.00 $0.76 $260.76 792.05%
$400.00 14 Days $120.00 $1.52 $521.52 792.05%
$600.00 14 Days $180.00 $2.28 $782.28 792.05%
Your Credit Access Business ("CAB") fee will be $30.00 per $100.00 borrowed. You will also be charged interest by your lender of 10.00% APR on the loan principal
  • Late fee of greater than of 5% of the payment amount or $7.50 if any payment is in default for a period of not less than 10 days.
  • Non-sufficient funds fees or return check fees of $30.00.
This Credit Access Business is licensed and examined by the state of Texas - Office Of Consumer Credit Commissioner. Call the Consumer Credit Hotline or write for credit information or assistance with credit problems. Office of the Consumer Credit Commissioner, 2601 N. Lamar Boulevard, Austin Texas 78705-4207, (800) 538-1579, consumer.complaints@occc.state.tx.us, www.occc.state.tx.us

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 intermediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.

Terms of Use for Bank Account Information
As a CAB (Credit Access Business) in the State of Texas we are not a direct lender. During the application process we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, as part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process and will be included in the contract between the CAB and consumer.

Loans in Texas arranged by B3 Cash Solutions and made by, and subject to the approval of, an unaffiliated third party lender. Not all consumers will qualify for a loan or for the maximum loan amount. All loans subject to approval pursuant to standard underwriting criteria. Terms and conditions apply. Payday loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

Loan approval is subject to standard underwriting criteria. Loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to three days. Annual Percentage Rate (APR) varies and is based on state, loan term, loan funding date and other underwriting considerations.

What happens if I fail to make a timely payment on my loan or credit services transaction? Failure to make a timely payment on your loan or credit services transaction can have several consequences, including the following:

  • Financial Implications - You may be assessed a late fee if you fail to make your payment by a specified period following its due date and you may be assessed with a returned item charge if any check or electronic payment we submit on your behalf is returned unpaid (late fee and returned item fees vary by state – see your transaction agreements for additional details).
  • Collection Activity – We may attempt to collect any delinquent amount through our standard collection practices, which include contacting you by phone, mail, SMS or email. We may also exercise any of our rights under our loan or credit services agreements with you. If we are unable to collect any delinquent amount you may have with us through such actions, we may also sell our debt to a third party debt buyer or engage a collection agency, who may also institute collection activity with you.
  • Impact on Your Credit Score – B3 Cash Solutions does use alternative credit reporting agencies such as Microbilt. Failure to make timely payment on your loan may reduce your score with such agencies, and prevent you from receiving credit or other services from a provider that uses such agencies.
  • Renewal of your Loan – We do not automatically renew any of our loans or credit services transactions. Where refinances or renewals are available (varies by state), you may obtain a refinance or renewal of your loan or credit services transaction by logging in to your account prior to your due date and applying for a renewal or refinance. In connection with any renewal or refinance, you will be required to e-sign new transaction agreements for such renewed or refinanced transaction and our standard rates for loans or credit services transactions will be assessed on such renewal or refinance (varies by state – see posted fee schedules).

Copyright B3 Cash Solutions 2013