📊 GeneralPublished: July 31, 2026
Rates, Fees & Representative Loan Disclosures
By Cash 4 You Live Editorial & Consumer Advocacy Board
Federal law requires all lenders to disclose the Annual Percentage Rate (APR) and total finance charge prior to loan execution under the Truth in Lending Act (TILA).
Representative APR Example
| Loan Type | Principal | Term | Finance Charge | Representative APR |
|---|---|---|---|---|
| Single-Payment Advance | $300 | 14 Days | $45 ($15/$100) | 391.07% |
| Installment Loan | $1,000 | 12 Months | $198.60 | 35.99% |
| Credit Union PAL | $500 | 6 Months | $41.80 + $20 app fee | 28.00% |
Fee Regulations by State
Maximum allowable finance fees, loan limits, and rollover prohibitions vary by jurisdiction. For detailed state usury statutes, review our comprehensive State Usury Laws & Rate Caps Guide.
💳
Cash 4 You Live Editorial & Consumer Advocacy Board
Our financial literacy researchers and regulatory analysts publish independent guides on Truth in Lending APR compliance, credit union PAL alternatives, and state usury statutes.