Legal - Privacy Policy - APR Disclosure

Thanks for choosing Emergi-Cash, where payday advance loans are as close as your PC. Here at Emergi-Cash, we are aware of your concerns regarding your information privacy. We are committed to processing your loan in a secure environment.

More importantly, we will attend to your business as we would expect our own business to attended to. Emergi- Cash owns of all the information gathered on this site. Your personal information will never be sold, shared or rented in any manner other than disclosed on the Loan Application.

Lenders are subject to federal and state laws and regulations that regulate their lending practices.

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APR Disclosure

Notice: Fees for deferred presentment transactions may be significantly higher than for other types of loans.

A SHORT TERM LOAN PROVIDES THE CASH NEEDED TO MEET AN IMMEDIATE SHORT-TERM CASH FLOW PROBLEM. IT IS NOT A SOLUTION FOR LONGER TERM FINANCIAL PROBLEMS FOR WHICH LONGER TERM FINANCING MAY BE MORE APPROPRIATE. YOU MAY WANT TO DISCUSS YOUR FINANCIAL SITUATION WITH A NONPROFIT COUNSELING SERVICE IN YOUR COMMUNITY. YOU WILL BE CHARGED ADDITIONAL FEES IF YOU RENEW THE LOAN.

Although payday loans are short-term advances intended to be paid off quickly, various Truth-in-Lending laws require financing disclosures to be expressed as an Annual Percentage Rate (APR), or the cost of the credit advanced to you expressed as an annual rate. This requirement provides uniformity among various credit sources, so you can compare rates and make the choice that is right for you.

In the following table, we show the total amounts paid for loan amounts of $200 over a 14 period. The APR will change based upon the amount of time your loan is for. Consequently if you pay later than the agreed upon date, you will owe more interest. There is no refund of interest for early repayment.

Annual Percentage Rate: The APR is a cost of a loan expressed as a yearly interest rate. The following table is examples of different cost based on the amount financed and the length of time of the advance. The cost of your advance may be higher or lower based on the length of time of the advance.

Amount Financed	Total Amount of Payments	Length of Time (# of Days)	Total Finance Charge	*APR
$200	$235	14 days	$35	455.00%
Figures provided in this table are a sample. For more information contact us.

Remember: A PAYDAY ADVANCE is intended to meet short-term cash-flow needs. If you think you need a long-term loan or more permanent solutions to your current situation you should discuss your needs with your local bank and or contact a local credit counseling service in your area.

Alabama's Deferred Presentment Act

Best Practices for the Payday Advance Industry according to the CFSA.