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What does it cost?


The APR, total payments, and total payment amount will be disclosed on your loan agreement. The payment schedule on your loan agreement will include the payment amounts and payment due dates for the duration of the loan. Late fees and/or non-sufficient funds / returned item fees may apply as described in your loan agreement. Your loan agreement will outline the specific details of your loan. To minimize the total 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 no prepayment penalties for paying off your loan earlier than the scheduled payment dates.

Rate Table

The full payment schedule for your loan will be on your loan agreement. You can reduce the total cost of your loan by paying off your loan at any time prior to your last payment date on your payment schedule or by making additional payments on or between your payment due dates. You control how soon you want to pay off your loan. There are no penalties for paying off your loan early.

Below are two $300.00 loan sample payment schedules listed for a new customer and a returning customer level. Please note that the APR may vary and is based upon the total loan duration and amount funded. Returning customers will receive a reduced APR between 295 % -795 % which is based on credit history with Bright Star Cash, verification of the information provided by the consumer, payment history with Bright Star Cash and other credit criteria. Remember that the sooner you pay back the loan, the less the total loan cost will be.

Installment Loan Schedule (New Customer)
Loan Amount Number of Payments Total Finance Fees Total Principal Payments Total Payments Annual Percentage Rate
$300.00 16 $890.11 $300.00 $1,190.11 564.31%

Payment #

 

Due Date

 

Payment Due

 

1 3/15/2017 $74.38
2 3/29/2017 $74.38
3 4/12/2017 $74.38
4 4/26/2017 $74.38
5 5/10/2017 $74.38
6 5/24/2017 $74.38
7 6/7/2017 $74.38
8 6/21/2017 $74.38
9 7/5/2017 $74.38
10 7/19/2017 $74.38
11 8/2/2017 $74.38
12 8/16/2017 $74.38
13 8/30/2017 $74.38
14 9/13/2017 $74.38
15 9/27/2017 $74.38
16 10/11/2017 $74.41

PLEASE NOTE:THIS IS AN EXPENSIVE FORM OF BORROWING AND IS NOT INTENDED TO BE A LONG TERM FINANCIAL SOLUTION.

WE STRONGLY ENCOURAGE PRINCIPAL REDUCTION AND EARLY PAYMENT TO REDUCE THE TOTAL COST OF THE LOAN.

YOU CONTROL HOW SOON YOU WISH TO PAY OFF THE LOAN. THERE WILL NOT BE ANY PREPAYMENT PENALTIES.

When do I get my money?

In order to complete your loan and get your cash into your bank account, you MUST confirm your loan details with us after submitting the form and getting an approval.

After approval, we can transfer your funds directly to your bank account. If you elect to do same day funding, an additional fee will be charged and be added to your first payment due per your loan schedule. Applications processed and approved before 2:30pm CST Monday – Friday are typically funded on the next business day.

When do I Repay?

Your payment amount and payment due dates for the duration of your loan are listed on your loan agreement.

At any time you may call , email, or text...

  • Pay your loan in full early.
  • Make additional payments towards your loan

We strongly encourage that you pay your loan off as early as you can or make additional payments to reduce the overall total cost of your loan.  Remember, there are no prepayment penalties for paying your loan off early.

Late / NSF Fees

It's important to contact us if you anticipate any problems with your payment, and we will be happy to discuss alternative payment plan options.

If you are paying by electronic funds transfer from your bank account, please ensure funds are available from your bank account on your payment date.  If you are paying by cashiers check / certified check, we recommend that you allow at least five business days mailing time so that your payment arrives by your due date.  If a successful payment is not made by your due date, an additional late and/or NSF fee of $30 will be assessed.  Please refer to your loan agreement for your specific terms.

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