IDAHO RATES, FEES & LICENSING

At CASH 1, we adhere to the values promoted by INFiN, a Financial Services Alliance and the guidelines set forth by the Consumer Financial Protection Bureau (CFPB). We believe in promoting responsible lending practices and encourage our customers to practice educated and responsible borrowing.

Know Before You Owe

Disclosures for Idaho Revolving Line of Credit

? WHO IS THE CREDITOR?

CASH 1 ID, LLC

% ANNUAL PERCENTAGE RATE

Your Annual Percentage Rate (APR) and minimum payments will be calculated depending upon the payment method you choose at the origination of your Line of Credit.

If you choose to repay your Line of Credit via an Employer-Initiated Payment, your Annual Percentage Rate will range between 99% and 299% based on your credit limit.

If you choose to repay your Line of Credit via a different payment method, your Annual Percentage Rate will range between 185% and 390% based on your credit limit.

IMPORTANT NOTICE

A Revolving Line of Credit is an expensive form of credit and should be used for short-term financial needs only and not as a long-term financial solution. If you make larger payments, you will pay less interest and you will pay down your Line of Credit sooner.

REVOLVING CREDIT TERMS

TERMS FOR EMPLOYER-INITIATED PAYMENT METHOD
Credit Limit Range $0 to $700
APR Biweekly Payments Repayment Time Total Payments Total Interest Paid
299% $97 7.75 Months $1,571.44 $871.44
Credit Limit Range $701 to $1,000
APR Biweekly Payments Repayment Time Total Payments Total Interest Paid
199% $97 10.25 Months $2,038.79 $1,038.79
Credit Limit Range $1,001 to $1,300
APR Biweekly Payments Repayment Time Total Payments Total Interest Paid
149% $117 8.75 Months $2,122.20 $822.20
Credit Limit Range $1301 to $2,500
APR Biweekly Payments Repayment Time Total Payments Total Interest Paid
99% $117 20.75 Months $5,236.74 $2,736.74

Examples are based on a single advance in the largest allowable amount per the applicable Credit Limit tier, and assume that minimum payments are made on time and that the first payment is due 14 days from the advance date.

TERMS FOR OTHER PAYMENT METHODS
Credit Limit Range $0 to $400
APR Biweekly Payments Repayment Time Total Payments Total Interest Paid
390% $108 2.75 Months $626.83 $226.83
Credit Limit Range $401 to $700
APR Biweekly Payments Repayment Time Total Payments Total Interest Paid
345% $133 4.5 Months $1,277.95 $577.95
Credit Limit Range $701 to $1,000
APR Biweekly Payments Repayment Time Total Payments Total Interest Paid
280% $140 7 Months $2,001.43 $1,001.43
Credit Limit Range $1,001 to $1,300
APR Biweekly Payments Repayment Time Total Payments Total Interest Paid
225% $143 8.75 Months $2,653.26 $1,353.26
Credit Limit Range $1,301 to $2,500
APR Biweekly Payments Repayment Time Total Payments Total Interest Paid
185% $225 10.5 Months $5,099.51 $2,599.51

Examples are based on a single advance in the largest allowable amount per the applicable Credit Limit tier, and assume that minimum payments are made on time and that the first payment is due 14 days from the advance date.

$ FEES

Document Preparation Fee: $0

Cash Advance Fee: $0

Annual Fee: $0

Prepayment Penalty: $0

Delinquency Charge: $15 or 5% of the unpaid amount of the Minimum Payment, whichever is greater, if any Minimum Payment is not paid in full within ten (10) days after its scheduled due date.

WARNING: IF YOU DEFAULT ON YOUR LINE OF CREDIT, YOU COULD BE SUED!

If you miss a payment and default on your Revolving Credit Agreement, it is possible that a lawsuit could be brought against you.

? QUESTIONS TO ASK YOURSELF

  1. Is it necessary for me to borrow the money?
  2. Do I understand how the Line of Credit works and what my obligations will be?
  3. Can I afford to make the payments on this Line of Credit?
  4. Will I be able to pay my regular bills and repay this Line of Credit?
  5. Can I afford the extra charges, interest, and fees that may be applied if I miss or fail to make a payment?
  6. Are other credit options available to me at this time?

IDAHO LOAN LICENSE & REGISTRATION

CASH 1 is licensed and regulated by the Idaho Department of Financial Institutions.

Address: 700 West State Street, 2nd Floor
P.O. Box 83720 Boise, ID 83720-0031
Phone: 208-332-8000
Fax: 208-332-8097

Idaho Department of Financial Institutions Notification

IDAHO REQUIREMENTS

  1. Idaho Resident
  2. 18 Years of Age or Older
  3. Open Checking Account
  4. Proof of Income
  5. Not on Active Duty in Military

Contact Information For Consumer Counseling

Customers with credit difficulties should seek credit counseling before entering into a Revolving Line of Credit.
Please see the following link to the U.S. Department of Justice website for a list of federally approved credit counseling agencies: http://www.justice.gov/ust/eo/bapcpa/ccde/cc_approved.htm