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Rates & Fees

Notice: Credit Access Business (CAB) Installment Loan: BTGA Management, LLC d/b/a First Finance Solutions will not be the lender for loans you obtain at this site because First Finance Solutions is a Credit Service Organization licensed as a Credit Access Business in Texas.   BTGA Management, LLC d/b/a First Finance Solutions' services including arranging a loan between you and a third party lender and serving that loan and collecting payments if the loan is made. Please direct any questions, service issues or complaints about your loan to First Finance Solutions and not the third party lender.

Terms of your Loan: CAB Installment loan may be available to Texas resident if they meet the Lender's criteria:

  • The maximum loan amount for Texas residents will be 1500.00 or less depending on your income.

  • Your loan will be due no more than 180 days from the date you receive your loan and paid back in installments either weekly, bi-weekly or monthly.

  • You have the right to rescind your loan within 3 days of signing your loan contracts. You will be provided a cancellation form with your contact.

  • Fee Schedule and APR: Your credit access fee will be $25 per $100 borrowed for a customer that receives bi-weekly income.  Rates and Fee may vary depending on your pay frequency and type of loan you received You will also be charged interest by the third party lender will not exceed 8.00% APR on loan principal and CAB fees. See the link below for a disclosure of fees and loan types.

    Loan Repayment: You have the right to repay your loan in full at any time without incurring a prepayment penalty.  

    Consumer Disclosure Form: The link below will provide three disclosures which outline the total costs associated with these types of loans of different amounts. These disclosures are required by the state of Texas for all residents applying for a CAB loan or an extension,

    An Estimate of the Costs of $100 Loan 

    An Estimate of the Costs of a $250 Loan

    An Estimate of the Costs of a $500 Loan

    Consumer Credit Notice: This business is licensed and examined by the State of Texas - Office of Consumer Credit Commissioner. Call the Consumer Credit Hotline or write for credit information or assistance with credit problems. Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207, (800) 538-1579,consumer.complaints@occc.state.tx.us www.occc.state.tx.us.

    An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.


    Rates and Fees

    Avoid any surprises by learning about your states rates and terms up front.

    Loan Amount:

    Estimated Rate:

    Estimated payoff by number of days

    • 7 Days $

    • 14 Days $

    The above information assumed there are no installment payments due before your payoff.

    PAYOFF EXAMPLE: For a $100 Loan with an APR Interest Rate of 467.71%:

    If you payoff in 7 days from the date you receive your loan: your payoff will be $108.97, the $100 borrowed and $8.97 in interest. No other fees or expenses will be charged.

    If you payoff in 14 days from the date you receive your loan: your payoff will be $117.94, the $100 borrowed and $17.94 in interest. No other fees or expenses will be charged.

    YOU CAN PAYOFF YOUR LOAN AT ANY TIME.

    One of the Most Important features of your Loan is that there is no prepayment penalty and you can pay it off anytime and avoid interest that has not yet accrued.

    The Minimum Loan Amount Available to a customer is: $50

    The Maximum Loan Amount Available to a customer is: $2500

    The Maximum Annual Percentage Rate that is currently being charged for Loan in this state is: 651%. Your APR Rate will vary based upon credit terms and typically range from 416% - 651%.

    Rates are subject to approval. Loan amounts and rates may vary. Installment payments can be scheduled for every 14-31 days depending on the borrower although the first payment can be shorter but not less than 3 days from the date of the Agreement.

    INTEREST, COSTS AND FEES

    The Disclosure below is an example of a 12 month installment loaned paid bi-weekly. Rates and terms vary based on the Loan Amount. Please see your specific Loan Agreement for your APR and other terms for your Loan. Please ask questions and make sure your questions are answered. Please make sure you understand the costs and terms of your loan.

    EXAMPLE FOR A 12 MONTH INSTALLMENT LOAN.

    The following is intended to be an example of the fees and interested charged for $100 Loan taken out on June 3, 2015 for a term of approximately 12 months with bi-weekly payments.

    Your actual interest and fees may vary and will be set forth in your Agreement.

    This is only an example. If you payoff your loan at any time before 1 year, you will not pay the total payments and you will only pay interest for the time your loan is outstanding.

    FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT

    ANNUAL PERCENTAGE RATE FINANCE CHARGE Amount Financed Total of Payments
    The cost of your credit as a yearly rate. The dollar amount the credit will cost you. The amount of credit provided to you or on your behalf. The amount you will have paid after you have made all payments as scheduled.
    467.71% $372.71 $100.00 $472.71

    PAYMENT SCHEDULE: 25 bi-weekly payments of $18.24 starting on 06/17/2015. 1 Final payment of $17.64 due on 06/01/2016 for a total of 26 payments.

    Date Amount Date Amount Date Amount Date Amount Date Amount Date Amount
    06/17/2015 $18.24 08/26/2015 $18.24 11/04/2015 $18.24 1/13/2016 $18.24 03/23/2016 $18.24 06/01/2016 $17.64
    07/01/2015 $18.24 09/09/2015 $18.24 11/18/2015 $18.24 01/27/2016 $18.24 04/06/2016 $18.24
    07/15/2015 $18.24 09/23/2015 $18.24 12/02/2015 $18.24 02/10/2016 $18.24 04/20/2016 $18.24
    07/29/2015 $18.24 10/07/2015 $18.24 12/16/2015 $18.24 2/24/2016 $18.24 05/04/2016 $18.24
    08/12/2015 $18.24 10/21/2015 $18.24 12/30/2015 $18.24 03/09/2016 $18.24 05/18/2016 $18.24
    SECURITY: Your "VOLUNTARY AUTHORIZATION AGREEMENT FOR ELECTRONIC RECURRING PAYMENTS" is security for this loan.
    LATE PAYMENT: If a payment is 15 days late, you may be charged 5.00% of the unpaid portion of the payment or $15.00 whichever is greater, up to $50 maximum late payment.
    PREPAYMENT: If you pay off early, you will not have to pay a penalty.
    See the information below and on additional pages for additional information about contract terms, nonpayment, and default.

    PLEASE NOTE THAT THE ABOVE EXAMPLE IS BASED ON NO EARLY PAYOFF AND A CUSTOMER CHOOSING TO KEEP THE LOAN OUT FOR 12 MONTHS.

    Please note that the amounts and schedule referenced above is an example and your rates, fees and terms may vary. Please make sure you verify and understand your loan before signing your loan documents. Your loan will be govern by your state’s laws. Questions or complaints may be directed at your state’s regulatory agency. Please click HERE for contact info.

    Under Construction


     

    Under Construction

    Rates and Fees

    Avoid any surprises by learning about your states rates and terms up front.

    Loan Amount:

    Estimated Rate:

    Estimated payoff by number of days

    • 7 Days $

    • 14 Days $

    The above information assumed there are no installment payments due before your payoff.

    PAYOFF EXAMPLE: For a $100 Loan with an APR Interest Rate of 467.71%:

    If you payoff in 7 days from the date you receive your loan: your payoff will be $108.97, the $100 borrowed and $8.97 in interest. No other fees or expenses will be charged.

    If you payoff in 14 days from the date you receive your loan: your payoff will be $117.94, the $100 borrowed and $17.94 in interest. No other fees or expenses will be charged.

    YOU CAN PAYOFF YOUR LOAN AT ANY TIME.

    One of the Most Important features of your Loan is that there is no prepayment penalty and you can pay it off anytime and avoid interest that has not yet accrued.

    The Minimum Loan Amount Available to a customer is: $50

    The Maximum Loan Amount Available to a customer is: $2500

    The Maximum Annual Percentage Rate that is currently being charged for Loan in this state is: 651%. Your APR Rate will vary based upon credit terms and typically range from 416% - 651%.

    Rates are subject to approval. Loan amounts and rates may vary. Installment payments can be scheduled for every 14-31 days depending on the borrower although the first payment can be shorter but not less than 3 days from the date of the Agreement.

    INTEREST, COSTS, AND FEES

    The Disclosure below is an example of a 18 month installment loaned paid bi-weekly. Rates and terms vary based on the Loan Amount. Please see your specific Loan Agreement for your APR and other terms for your Loan. Please ask questions and make sure your questions are answered. Please make sure you understand the costs and terms of your loan.

    EXAMPLE FOR A 18 MONTH INSTALLMENT LOAN.

    The following is intended to be an example of the fees and interested charged for $100 Loan taken out on June 3, 2015 for a term of approximately 18 months with bi-weekly payments.

    Your actual interest and fees may vary and will be set forth in your Agreement.

    This is only an example. If you payoff your loan at any time before 1 year, you will not pay the total payments and you will only pay interest for the time your loan is outstanding.

    FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT

    ANNUAL PERCENTAGE RATE FINANCE CHARGE Amount Financed Total of Payments
    The cost of your credit as a yearly rate. The dollar amount the credit will cost you. The amount of credit provided to you or on your behalf. The amount you will have paid after you have made all payments as scheduled.
    467.71% $593.40 $100.00 $693.40

    PAYMENT SCHEDULE: 1st Payment of $18.02 will be due on 06/17/2015 37 bi-weekly payments of $18.02 starting on 07/01/15 and a final payment of $8.64 on 11/30/16

    Date Amount Date Amount Date Amount Date Amount Date Amount Date Amount
    9/9/2015 $18.02 12/16/2015 $18.02 3/23/2016 $18.02 6/29/2016 $16.84 10/5/2016 $18.02
    6/17/2015 $18.02 9/23/2015 $18.02 12/30/2015 $18.02 4/6/2016 $18.02 7/13/2016 $16.84 10/19/2016 $18.02
    7/1/2015 $18.02 10/7/2015 $18.02 1/13/2016 $18.02 4/20/2016 $18.02 7/27/2016 $16.84 11/2/2016 $18.02
    7/15/2015 $18.02 10/21/2015 $18.02 1/27/2016 $18.02 5/4/2016 $18.02 8/10/2016 $16.84 11/16/2016 $18.02
    7/29/2015 $18.02 11/4/2015 $18.02 2/10/2016 $18.02 5/18/2016 $18.02 8/24/2016 $16.84 11/30/2016 $8.64
    8/12/2015 $18.02 11/18/2015 $18.02 2/24/2016 $18.02 6/1/2016 $18.02 9/7/2016 $16.84
    8/26/2015 $18.02 12/2/2015 $18.02 3/9/2016 $18.02 6/15/2016 $18.02 9/21/2016 16.84
    SECURITY: Your "VOLUNTARY AUTHORIZATION AGREEMENT FOR ELECTRONIC RECURRING PAYMENTS" is security for this loan.
    LATE PAYMENT: If a payment is 15 days late, you may be charged 5.00% of the unpaid portion of the payment or $15.00 whichever is greater, up to $50 maximum late payment.
    PREPAYMENT: If you pay off early, you will not have to pay a penalty.
    See the information below and on additional pages for additional information about contract terms, nonpayment, and default.

    PLEASE NOTE THAT THE ABOVE EXAMPLE IS BASED ON NO EARLY PAYOFF AND A CUSTOMER CHOOSING TO KEEP THE LOAN OUT FOR 12 MONTHS.

    Please note that the amounts and schedule referenced above is an example and your rates, fees and terms may vary. Please make sure you verify and understand your loan before signing your loan documents. Your loan will be govern by your state’s laws. Questions or complaints may be directed at your state’s regulatory agency. Please click HERE for contact info.

    Under Construction


     

    Under Construction

    OLA Affiliation. We are members of the Online Lenders Alliance.
    Please contact the OLA Consumer Hotline 866-299-7585 for any questions or concerns.

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    IMPORTANT NOTICES AND DISCLOSURES