The teller will be able to print one of these out for you. It looks like a printout of a void cheque. Use this printout just as you would a normal cheque to type in your Institution, Transit, and Account numbers. See the picture at the bottom of the application form for further instructions. Do not just type the transit and account number out of your web banking.
The numbers shown here are usually not the same as the numbers on your PADcheques. If you type in what you see on your screen, it may cause up to a 3 business day delay in getting your money.
APRs depend on multiple factors, including the lenders requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process.
The APR on a short term loan can range from 200 to 2,290 depending on how the APR is calculated (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.
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