Loan Cost and Terms

Delaware - Installment Loan

PayDay One is committed to providing great rates to our customers. In fact, we are the only online lender that offers a Great Rate Guarantee. We shop around so you don’t have to. But if you do find a lower price from another licensed online lender we'll match it.

PayDay One offers installment loans up to $1000.00 in Delaware. Installment loans are more flexible than traditional payday loans. Here's how:

  • Flexible payment schedule:  Make regular scheduled payments or pay off your loan at any time - it's your choice!*

    ο  You can make additional principal payments at any time and you can make a regularly scheduled payment early.*

    ο  You may be able to alter your payment schedule:*

    • You can request to defer making a regularly scheduled payment up to 4 times per loan. As a condition to receiving the deferral, you will be obligated to pay the accrued interest and any outstanding fees at the time of the deferral.

    ο  You may be offered the ability to refinance your loan based on your successful payment history.

    *Please Note: You must log on to the website or call us to change your payment option by 4:00 PM Central Time on the banking day (excluding bank holidays) before your scheduled due date.

  • Pro-rated fees:  Only pay for the number of days you keep your loan.

  • No hidden fees:  No origination fees, no setup fees, and you can pay your loan off at any time without additional penalties or charges.

Pay Frequency:

Loan
Amount		 Payments
(Bi-Weekly)		 Bi-Weekly
Payment
Amount		 Total Due APR
$100 10 $10 plus accrued interest $234.75 637.00%
$150 10 $15 plus accrued interest $352.10 636.95%
$200 10 $20 plus accrued interest $469.50 637.00%
$250 10 $25 plus accrued interest $586.85 636.97%
$300 10 $30 plus accrued interest $704.25 637.00%
$350 10 $35 plus accrued interest $821.60 636.98%
$400 10 $40 plus accrued interest $939.00 637.00%
$450 10 $45 plus accrued interest $1,056.35 636.98%
$500 10 $50 plus accrued interest $1,173.75 637.00%
$550 10 $55 plus accrued interest $1,291.10 636.99%
$600 10 $60 plus accrued interest $1,408.50 637.00%
$650 10 $65 plus accrued interest $1,525.85 636.99%
$700 10 $70 plus accrued interest $1,643.25 637.00%
$750 10 $75 plus accrued interest $1,760.60 636.99%
$800 10 $80 plus accrued interest $1,878.00 637.00%
$850 10 $85 plus accrued interest $1,995.35 636.99%
$900 10 $90 plus accrued interest $2,112.75 637.00%
$950 10 $95 plus accrued interest $2,230.10 636.99%
$1,000 10 $100 plus accrued interest $2,347.50 637.00%

APR calculations are based on your first payment being (a) 14 days from the loan effective date for loans that are repaid on a bi-weekly basis, (b) 15 days away from the loan effective date for loans that are repaid on a twice-monthly basis, and (c) 30 days from the loan effective date for loans that are repaid on a monthly basis. Annual Percentage Rates (APRs) may vary by loan term.

Note:  This is a fixed principal payment loan – payment amounts will vary. Please see your loan agreement for the APR and other terms applicable to your loan.

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