Frequently asked questions.

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A fee is the flat dollar amount a lender charges for a loan — for example, $15 per $100 borrowed. APR annualizes that same charge so it can be compared across loan types and terms. A small-sounding fee on a short term can translate into a very large APR.

The finance charge is fixed regardless of how short the term is. When a flat $45 fee on a 14-day loan is annualized to a full year, the math produces a rate in the hundreds of percent — even though the dollar fee itself looks modest.

Often yes, and it can save money if the lender doesn't charge a prepayment penalty. Ask specifically about early payoff terms before you sign, since policies vary by lender and by state.

Options usually include rolling the loan over (a new fee on the same principal), a lender-offered extended payment plan, or default, which can trigger additional fees, collections activity, or — for title loans — repossession. Contact the lender before the due date if repayment looks uncertain.

They carry a different risk: repossession of your vehicle rather than just fees. Regulatory data suggests roughly 1 in 5 title loan borrowers eventually loses their vehicle, which can be more disruptive than the original financial gap.

A credit check is required, but approval and pricing exist across a wide credit range — options simply narrow and APR rises as credit score drops. It's still worth checking, since even a higher-rate personal loan usually costs less than payday or title borrowing.

No. Some states cap fees tightly, some limit rollovers, and some ban payday or title lending outright. Rules vary enough that it's worth checking your state Attorney General or Department of Financial Institutions before assuming a product is available or priced the way it is nationally.

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