Over 10 years we help companies reach their financial and branding goals. Loan Stow is a values-driven dedicated lending company.

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2311 Flag Mountain Dr, Pierre

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PayDay Loan

Payday loans are short-term cash loans based on the borrower’s personal check held for future deposit or on electronic access to the borrower’s bank account. Borrowers write a personal check for the amount borrowed plus the finance charge and receive cash. In some cases, borrowers sign over electronic access to their bank accounts to receive and repay payday loans.

We hold the checks until the borrower’s next payday when loans and the finance charge must be paid in one lump sum. To pay a loan, borrowers can redeem the check by paying the loan with cash, allow the check to be deposited at the bank, or just pay the finance charge to roll the loan over for another pay period. We also offer longer-term payday instalment loans and request authorization to electronically withdraw multiple payments from the borrower’s bank account, typically due on each pay date. Payday loans range in size from $1,000 to $100,000, depending on state legal maximums. The average loan term is about two months. Loans typically cost 400% annual interest (APR) or more. The finance charge ranges from $5 to $20 to borrow $100. For two-week loans, these finance charges result in interest rates from 390 to 780% APR. Shorter term loans have even higher APRs.  Rates are higher in states that do not cap the maximum cost

 
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How It Works & How We Do It

Our specialists are ready to provide an analysis of both the market as a whole and its individual components (competitors, consumers, product, etc.), using practical methods and starting from your research goals.

“Always deliver more than expected.”
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Nurture promoters, your loyal customers who are more profitable and will advocate for your business—both in good times and bad.

Customer-focused businesses build a virtuous cycle we call the “customer wheel.” We help you at every stage of growth, developing custom solutions and collaborating with all levels of your organization. Identify quick, targeted customized solutions and operational improvements.

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