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Rates & Fees

Payday Loans Rates and Terms

The maximum annual percentage rate that is currently charged on loans is 469.29%

WaldoFinancial.com is a licensed lender regulated by:

Missouri Division of Finance
PO Box 716
Jefferson City, MO 65102-0716
(573) 751-3463

The loan agreement is governed by the applicable laws of the State of Missouri.

Maximum Loan Amount

Residents may receive up to $500 per Missouri law.

Loan Terms

Generally, your loan will be due on your next payday that falls between 14 and 31 days away.

Extensions/Rollovers/Refinance

In accordance with Missouri law, you may extend your loan. Missouri limits the number of times you can extend a loan before it must be paid in full. You are eligible to re-loan at any time once the loan is paid in full.

Rate and Term Chart

Advance Amount
(Amount Financed)
Finance Charge
(14 day cost of loan)
*APR Finance Charge
(30 day cost of loan)
* APR
$100 $18.00 469.29% $38.57 469.29%
$200 $36.00 469.29% $77.14 469.29%
$300 $54.00 469.29% $115.71 469.29%
$400 $72.00 469.29% $154.29 469.29%
$500 $90.00 469.29% $192.86 469.29%

* ANNUAL PERCENTAGE RATE: The APR is the cost of your loan expressed as a yearly rate. The above APR's are based on example loan terms of one payment (advance amount + finance charge) due in 14 or 30 days.