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New Mexico

SCHEDULE OF CHARGES

THE CHART BELOW REPRESENTS ILLUSTRATIVE EXAMPLES OF THE COST OF A LOAN TO THE BORROWER. IF YOU HAVE ANY QUESTIONS, OR WOULD LIKE MORE INFORMATION, PLEASE ASK. MAKE CERTAIN THE QUESTIONS THAT YOU ASK ARE ANSWERED. MAKE CERTAIN YOU UNDERSTAND THE TERMS AND COSTS OF YOUR LOAN.

ANNUAL PERCENTAGE RATE
(APR)
The cost of your credit as a yearly rate. Assumes a 14 day repayment period.

FINANCE
CHARGE

The dollar amount the credit will cost you.

AMOUNT
FINANCED

The amount of credit provided to you or on your behalf.

TOTAL
OF
PAYMENTS

The amount you will have paid after you have made all payments as scheduled.

NUMBER OF
PAYMENTS USED
IN CALCULATION

417.14%

$16.00

$100.00

$116.00

1

410.63%

$31.50

$200.00

$231.50

1

408.45%

$47.00

$300.00

$347.00

1


IMPORTANT CONSUMER INFORMATION 
INFORMACIÓN IMPORTANTE PARA EL CONSUMIDOR

TO REPORT A PROBLEM OR COMPLAINT, YOU MAY WRITE OR CALL:

Checkmate Corporate Office
P.O. Box 35220, Phoenix, AZ 85069-5220

1-866-722-2274

1-760-431-2505-Fax

This business is regulated by the Regulation and Licensing Department, Financial Institutions Division, 2550 Cerrillos Road, Santa Fe, New Mexico, 87505,Telephone: (505) 476-4885

QUESTIONS, COMMENTS OR COMPLAINTS

If you have questions or comments about a loan, please call us at

1-866-722-CASH
(1-866-722-2274).

You may also send us an e-mail messages at

comments@callcheckmate.com

Or you may write us at

Checkmate
P.O. Box 35220
Phoenix, AZ 85069-5220

 

Colorado

Deferred Deposit Loan Fee Schedule 

Annual Percentage Rate. The following table illustrates the APR* applicable for typical Deferred Deposit Loans available to residents of Colorado:

LOAN
AMOUNT

FINANCE CHARGE

INTEREST

MONTHLY HANDLING FEE

APR*

$100.00

$20.00

$13.52

$37.50

214.54%

$300.00

$60.00

$40.56

$112.50

214.56%

$500.00

$75.00

$67.60

$150.00

179.94%


*ANNUAL PERCENTAGE RATE: The APR is the cost of your loan expressed as a yearly rate. The APRs are based on example loan terms of six (6) months. The APR may change if the actual loan term is shorter or longer than this example.

Questions, comments or complaints

If you have questions or comments about a loan, please call us at
1-866-722-CASH
(1-866-722-2274).

You may also send us an 
e-mail message at

comments@callcheckmate.com

Or you may write us at
Checkmate
P.O. Box 35220 Phoenix, AZ 85069-5220

 

California

DEFERRED DEPOSIT LOAN FEE SCHEDULE

Annual Percentage Rate. The following table illustrates the APR* applicable for typical Deferred Deposit Loans available to residents of California

LOAN AMOUNT

(Amount 
Financed)

FINANCE CHARGE

(Fee)

TOTAL OF PAYMENTS

(Amount)

APR*

Loan Term

Loan Term

14 days

30 days

$50.00

$8.82

$58.82

459.90%

214.62%

$100.00

$17.65

$117.65

460.16%

214.74%

$150.00

$26.47

$176.47

460.07%

214.70%

$200.00

$35.29

$235.29

460.03%

214.68%

$250.00

$44.12

$294.12

460.11%

214.72%

$255.00

$45.00

$300.00

460.08%

214.71%


*ANNUAL PERCENTAGE RATE: The APR is the cost of your loan expressed as a yearly rate. The APR is based on example loan terms of one payment ("Total of Payments") due in 14 and 30 days. The APR will increase if the actual loan term is shorter than these examples, and will decrease if your loan term is longer.

Returned Payment Charge: If your payment is returned to us unpaid for any reason, you will be charged a one-time returned payment charge of $15.

No Criminal Prosecution: You cannot be prosecuted or threatened with prosecution in a criminal action for a returned check in connection with a deferred deposit transaction.

Virtual E, Inc DBA Checkmate is licensed by the Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law
IMPORTANT CONSUMER INFORMATION

 

Washington

DEFERRED DEPOSIT LOAN FEE SCHEDULE

The following table illustrates the APR* applicable for typical Payday Loans available to residents of Washington

Amount Financed
(Amount Provided)

Finance Charge
(Fee)

Total of Payments
(Amount)

APR*

Loan Term

Loan Term

Loan Term

7 days

14 days

30 days

$100.00

$15.00

$115.00

782.14%

391.07%

182.50%

$200.00

$30.00

$230.00

782.14%

391.07%

182.50%

$300.00

$45.00

$345.00

782.14%

391.07%

182.50%

$400.00

$60.00

$460.00

782.14%

391.07%

182.50%

$500.00

$75.00

$575.00

782.14%

391.07%

182.50%

$600.00

$85.00

$685.00

738.69%

369.35%

172.36%

$700.00

$95.00

$795.00

707.65%

353.83%

165.12%


*ANNUAL PERCENTAGE RATE: The APR is the cost of your loan expressed as a yearly rate. The APR is based on example loan terms of one payment ("Total of Payments") due in 7, 14 and 30 days. The APR will increase if the actual loan term is shorter than these examples, and will decrease if your loan term is longer.

Returned Payment Charge: If your payment is returned to us unpaid for any reason, you will be charged a one-time returned payment charge of $25.

IMPORTANT INFORMATION ABOUT YOUR LOAN

WASHINGTON CUSTOMERS

YOUR RIGHT TO AN INSTALLMENT PLAN. IF YOU WILL BE OR ARE UNABLE TO PAY YOUR LOAN WHEN IT IS DUE, YOU MAY CONVERT YOUR LOAN TO AN INSTALLMENT PLAN WITH US BY NOTIFYING US ON OR BEFORE THE LOAN'S DUE DATE. IF YOUR LOAN AMOUNT IS FOUR HUNDRED DOLLARS OR LESS, YOU MAY ENTER INTO AN INSTALLMENT PLAN THAT ALLOWS YOU TO PAY OFF YOUR LOAN IN SUBSTANTIALLY EQUAL PAYMENTS OVER NINETY DAYS. IF YOUR LOAN AMOUNT IS MORE THAN FOUR HUNDRED DOLLARS, YOU MAY ENTER INTO AN INSTALLMENT PLAN THAT ALLOWS YOU TO PAY OFF YOUR LOAN IN SUBSTANTIALLY EQUAL PAYMENTS OVER ONE HUNDRED EIGHTY DAYS. AN INSTALLMENT PLAN WILL ALLOW YOU TO PAY ALL THAT YOU OWE WITHOUT HAVING TO PAY ANY ADDITIONAL FEES, INTEREST CHARGES OR OTHER CHARGE FOR CONVERTING YOUR SMALL LOAN INTO AN INSTALLMENT PLAN. IF YOU WOULD LIKE TO REQUEST AN INSTALLMENT PLAN, WE MUST RECEIVE YOUR REQUEST NO LATER THAN 3:00 P.M. PACIFIC TIME ON THE DUE DATE SHOWN ABOVE.

YOUR RIGHT TO RESCIND (CANCEL) THIS LOAN. YOU HAVE THE RIGHT TO RESCIND (CANCEL) THIS LOAN BY RETURNING THE AMOUNT OF THE LOAN IN CASH, OR RETURNING THE CHECK GIVEN TO YOU BY US TO OUR OFFICE BY THE CLOSE OF BUSINESS ON OUR NEXT BUSINESS DAY FOLLOWING THE DATE OF THIS LOAN. WE MAY NOT CHARGE YOU FOR CANCELING THE LOAN AND WE WILL RETURN TO YOU ANY POSTDATED CHECK OR ELECTRONIC EQUIVALENT YOU HAVE GIVEN TO US. AT THE TIME YOU REPAY THIS LOAN, YOU SHOULD HAVE SUFFICIENT FUNDS TO MEET YOUR OTHER FINANCIAL OBLIGATIONS. IF YOU CANNOT PAY OTHER BILLS BECAUSE YOU ARE PAYING OFF THIS DEBT, YOU SHOULD GO INTO THE INSTALLMENT PLAN OFFERED IN CONNECTION WITH THIS LOAN.

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