Although the APR associated with short term loans is higher than that associated with other forms of credit, it is still considerably less than the charges associated with overdrafts and nonsufficient funds. Please see below for a cost comparison. вЂў Nonsufficient Funds with Bounced Check Fee: 45 total charge, citibank personal loan interest rate 2015. 21 APR вЂў Overdraft Fee: 40 charge, 782. 14 APR вЂў Late Fee: 20 charge, 521. 43 APR вЂў Short Term Loan: 10 charge, 260.
71 APR. Implications of Late Payment. If you are unable to repay your loan on time for any reason, please contact your lender as soon as possible.
Late payment fees are set by your lender in accordance with the regulations in your state, and lenders also determine their own policies in regard to how they handle late payments.
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