Fees and Terms

Loan Fees

Origination Fees. Origination fees are charged by World Finance in many states. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $100. Percentage-based fees vary by state.  Loan origination fees will be disclosed on your Loan Agreement.

Late Payment Fees. Late payment fees are incurred when payments are made after any grace period allowed by state law. These fees may range from a flat amount of $5 to $30 per late payment, or they may be a percentage of your entire monthly payment amount or 5% of the delinquent portion of your monthly payment amount, subject to certain state limits on the fees.  The fees are based upon the state in which you open your loan.  Late fees are disclosed on your Loan Agreement.

Non-Sufficient Funds (NSF) Fees. A fee is charged when a payment made by check or electronic ACH debit is returned due to insufficient funds. The amount of these fees varies depending on state law and ranges from $10 to $50 per payment returned.

Governmental Fees. Fees associated with perfecting the lien on a motor vehicle’s certificate of title are charged by World Finance. Where allowed by law, these fees are passed through to customers, without mark-up, in the same amount as is charged by the state or county.  This fee information does not supersede the fee disclosure on the Loan Agreement and Disclosure Statement. For further details, contact the branch in which your loan was originated.

Loan Amounts

World Finance offers personal installment loans from roughly $150 – $10,000.  In some states, larger loans may be available. Not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle that meets our value requirements, titled in your name with valid insurance Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral).

APR Example * All states vary. Below example is GA.

Loan AmountMonths/ PaymentsAPRPayment
$407.60681.29%$83.00
$1,062.201149.11%$123.00
$3,023.802827.50%$148.00