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Latest Blog Posts
For them that have graduated from college recently, the nearing month of December comes with some harsh reality. The federal student loans, which account for a significant percentage of student debt, have about six-months of rest period following graduation. After...
Chapter 4712 of the Ohio Credit Services Organization Act mandates a $5,000 minimum for installment loans issued within the state. APRs cannot exceed 28% and licensed lenders must offer repayment terms of more than one year. Specifically, the act states:...
View All Studies [toc] North Dakota does not regulate traditional installment loans. However, its Money Brokers Act requires licensed lenders to cap loans at $1,000 and terms at 24 ½ months. APRs are capped at: 2 ½% per month on...
View All Studies [toc] Article 15 of North Carolina’s Consumer Finance Act requires licensed lenders to cap installment loans at $15,000. The minimum loan term is 12 months, while the maximum loan term is 96 months. Licensed lenders can levy...
View All Studies [toc] Article 9 of New York’s Licensed Lenders Law limits personal installment loans to $25,000. Finance charges are set by Title 5 of New York’s General Obligations Law, which caps installment loan APRs at 6%. Licensed lenders...
View All Studies [toc] New Mexico’s Small Loan Act prohibits licensed lenders from offering loans in excess of $5,000. APRs are capped at 175%, while terms require a minimum of 120 days and must allow the borrower to repay the...
View All Studies [toc] According to Title 17 of New Jersey’s Financial Code, installment loan APRs are determined by the lender and the borrower. Finance charges are not regulated, however, loan amounts cannot exceed $50,000. Terms are regulated by the...
View All Studies [toc] Nebraska’s Installment Loan Act requires licensed lenders to cap APRs at 24% for loans of $1,000 or less and 21% on any excess balance. Terms are capped (excluding loans secured by mobile homes) at 145 months...
View All Studies [toc] Unlike many other U.S. jurisdictions, Nevada’s Installment Loan Act allows lenders and borrowers to determine their credit terms. There are no maximum loan limits or finance charges and indefinite terms can be negotiated. However, licensed lenders...
View All Studies [toc] New Hampshire’s Small Loan Statute requires licensed lenders to cap installment loans at $10,000. APRs are capped at 36% and include allowable annual charges – of $100 – for application and membership fees. Delinquency charges –...