Loan Amount
The minimum initial amount is $300.00
The maximum loan amount will be $2,500.00
Cost of Your Loan
The total payments due, including principal, interest, and any fees, will be disclosed on your
loan agreement. The payment schedule on your loan agreement will include the number of payments,
payment amounts, and payment dates for the duration of the loan. For details on the specific
fees of your loan, please see your loan agreement. Late fees and non-sufficient funds / returned
item fees may apply as described in your loan agreement. An example of the total payments
charged for a loan is provided in the table below. To minimize the cost of your loan, we
strongly recommend that you pay your loan in full or make additional payments as soon as you
can. There are NEVER penalties for early payoff!
Payment Schedules
Your full payment schedule will be included in your loan agreement. You can reduce the total
cost of your loan by paying off your loan prior to your last due date on your payment schedule
or by making additional payments on or between your payment due dates. You control how soon you
wish to pay your loan off. There will not be any prepayment penalties.
Below is a sample payment schedule for a $500 loan with biweekly payments. Please note that your
APR may vary based upon your total loan duration and amount funded. Remember that the sooner you
pay back your loan, the less your total loan cost will be. If you are interested in paying your
loan off soon and reducing the total cost of your loan, please ask a Customer Service
Representative.
Loan amount |
Number of Payments |
Total Finance Changes |
Total Principal Payments |
Total Payments |
Annual Percentage Rate(APR) |
$500.00 |
21 |
$1,739.71 |
$500.00 |
$2,239.71 |
550% |
Payment# |
Payment Due Date |
Amount |
1 |
04/04/2025 |
$52.74 |
2 |
05/04/2025 |
$109.60 |
3 |
06/04/2025 |
$109.60 |
4 |
07/04/2025 |
$109.60 |
5 |
08/04/2025 |
$109.60 |
6 |
09/04/2025 |
$109.60 |
7 |
10/04/2025 |
$109.60 |
8 |
11/04/2025 |
$109.60 |
9 |
12/04/2025 |
$109.60 |
10 |
01/04/2026 |
$109.60 |
11 |
02/04/2026 |
$109.60 |
12 |
03/04/2026 |
$109.60 |
13 |
04/04/2026 |
$109.60 |
14 |
05/04/2026 |
$109.60 |
15 |
06/04/2026 |
$109.60 |
16 |
07/04/2026 |
$109.60 |
17 |
08/04/2026 |
$109.60 |
18 |
09/04/2026 |
$109.60 |
19 |
10/04/2026 |
$109.60 |
20 |
11/04/2026 |
$109.60 |
21 |
12/04/2026 |
$104.57 |
Funding Timeframes
Once we receive your application, a customer service representative may reach out to you to verify your
information. If your loan is approved by 1pm CST it will typically be funded as soon as the same
business day. Business days are Monday-Fridays excluding banking holidays.
Processing and settlement times may vary based on your banking institution.
Late / NSF Fees
If a payment is not made by your due date, you may be subject to additional fees. If a payment
is returned because there are insufficient funds on deposit, or your payment is dishonored by
your financial institution for any reason, then Bucks Lending reserves the right to assess an
NSF fee of up to $15. If any payment is late by more than five days after the due date, then
Bucks Lending reserves the right to assess an additional late fee of up to 10% of the payment
amount missed.