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The APR on a short term loan can range from 200 to 2,290 depending on how the APR is payday advance loan toms river nj (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. See unsecured personal loans miami Representative Example.