Rates and Notices

Missouri

Loan costs depend on the amount advanced and length of the loan.

Fee Examples

Amount Advanced $300.00 $400.00 $500.00
Loan Length 180 days 180 days 180 days
Loan APR1 176% 176% 176%
Interest Charge $171.36 $228.50 $285.58
Total Repayment Amount $471.36 $628.50 $785.58
Sample $300 Dollar 4 Month Loan Amount Advanced: $300.00 Loan Length: 180 days Loan APR1: 176% Interest Charge: $171.36 Total Repayment Amount:

$471.36
Sample $400 Dollar 4 Month Loan Amount Advanced: $400.00 Loan Length: 180 days Loan APR1: 176% Interest Charge: $228.50 Total Repayment Amount:

$628.50
Sample $500 Dollar 4 Month Loan Amount Advanced: $500.00 Loan Length: 180 days Loan APR1: 176% Interest Charge: $285.58 Total Repayment Amount:

$785.58

1. The APR is based on a six payment, 180 day amortizing loan. The APR shown is based on the federal Truth in Lending Act and does not reflect specialized state APR calculations, if any.

The loan information shown here is an example and may not reflect the rates available on all loans. Before entering into any transaction, you should read the disclosure statements and contract that are provided to you by Fig Loans.

Optional Fees

You have the option of paying with a debit card. If you make a payment with a debit card, you will be charged a 3% processing fee that will be automatically added to your total payment.

Notices

The maximum Annual Percentage Rate Fig Loans will charge on an installment loan is 176.00%. This lender is regulated by Missouri Division of Finance. In the event of a complaint or concern, Missouri residents may contact the:

Missouri Division of Finance
P.O. Box 716
Jefferson City, MO, 65102-0716
(573) 751-3463.

LICENSES

Fig Loans is a lender licensed by the State of Missouri Division of Finance.

CAB License

Texas

ABOUT PAYDAY LOANS

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 immediate short-term cash needs.  Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges. If you have any additional concerns, please reach out to: OCCC Consumer Complaints

TEXAS OCCC NOTICE & FEE SCHEDULE

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

TEXAS OCCC NOTICE:

An advance of money obtained through a payday loan is not intended to meet long-term financial needs. A payday loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.

CONSUMER CREDIT NOTICE: This 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 CONSUMER CREDIT COMMISSIONER: 2601 North Lamar Boulevard, Austin, Texas 78705-4207, (800) 538-1579, consumer.complaints@occc.state.tx.us,  www.occc.state.tx.us

LICENSES

CAB License

CREDIT ACCESS BUSINESS DISCLOSURE:

Fig Loans Texas, LLC will not be the lender for loans received at this site. Fig Loans Texas, LLC is a Credit Access Business. We will attempt to arrange a loan between you and a third party lender and service that loan once it is issued. Any questions, service issues or complaints about your loan will be addressed by Fig Loans Texas, LLC and not the lender.

Your Credit Access Business ("CAB") fee average over the term of your loan will be $10.10 per $100.00 borrowed each month (see examples below for total effective Loan APR1). Your specific CAB fee will be calculated based on the outstanding loan principal each month. You will also be charged interest by your lender of 10% APR on the loan principal.

For all loans, late fees of 5% will be assessed for each loan payment that is not received within 10 days of such payments’ due date. In addition, 10% interest per year for will be charged for unpaid loan payments. In addition, your CAB fees will not be reduced if you are delinquent in any loan or CAB fee payments. You will be required to pay the applicable, unreduced CAB fee each month until you become current on your obligations to repay the loan and your obligations to pay CAB fees.

An example of our fees:

Amount Advanced $300.00 $400.00 $500.00
Loan Length 120 days 120 days 120 days
Loan APR2 190% 190% 190%
CAB fees $121.19 $161.55 $201.94
Interest Charge $6.25 $8.33 $10.42
Late Fees and Default Interest for Loan 5% late charge per missed payment + default interest of 10% per year 5% late charge per missed payment + default interest of 10% per year 5% late charge per missed payment + default interest of 10% per year
Total Repayment Amount $427.44 $569.88 $712.36
Sample $300 Dollar 4 Month Loan Amount Advanced: $300.00 Loan Length: 120 days Loan APR2: 190% CAB fees: $121.19 Interest Charge: $6.25 Late Fees and Default Interest for Loan:
5% late charge per missed payment + default interest of 10% per year
Total Repayment Amount:

$427.44
Sample $400 Dollar 4 Month Loan Amount Advanced: $400.00 Loan Length: 120 days Loan APR2: 190% CAB fees: $161.55 Interest Charge: $8.33 Late Fees and Default Interest for Loan:
5% late charge per missed payment + default interest of 10% per year
Total Repayment Amount:

$569.88
Sample $500 Dollar 4 Month Loan Amount Advanced: $500.00 Loan Length: 120 days Loan APR2: 190% CAB fees: $201.94 Interest Charge: $10.42 Late Fees and Default Interest for Loan:
5% late charge per missed payment + default interest of 10% per year
Total Repayment Amount:

$712.36

2. The APR is based on a four payment, 120 day amortizing loan. The APR shown is based on the federal Truth in Lending Act and does not reflect specialized state APR calculations, if any.

Optional Fees

You have the option of paying using a debit card. If you make a payment with a debit card, you will be charged a 3% processing fee that will be automatically added to your total payment.

LENDER'S PRIVACY POLICY

Fig Loans Texas, LLC and Sand Dollar Group, LLC Privacy Policy

NOTICES

This business—Fig Loans Texas, LLC—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.

If you have any additional concerns, please reach out to: OCCC Consumer Complaints

Office of Consumer Credit Commissioner:
2601 North Lamar Boulevard
Austin, Texas 78705-4207

Phone: (800) 538-1579 (toll-free)
Email: consumer.complaints@occc.state.tx.us
Website: www.occc.state.tx.us