**Today’s Financial Services Inc., believes in transparency for all of our customers. We offer no prepayment penalty and pro rate your loan interest if the loan is paid off early. We offer a 12 month simple interest amortized loan with a 10 day grace period on all payments. Our Minimum loan term is 12 months and our Maximum loan term is 14 months. The maximum interest rate 30% per annum, computed on first $3,000 of the principal amount as computed from time to time; 24% per annum on that part of the principal amount as computed from time to time exceeding $3,001 and not exceeding $4,000; 18% per annum on that part of the principal amount as computed from time to time exceeding $4,001 and not exceeding $25,000. The cost of your credit as a yearly rate shall not exceed 35% APR which includes all loan fees, interest, and principal. Example $1000.00 Loan: APR 34.61% (The cost of your credit as a yearly rate) Finance Charge $216.63 (Dollar amount credit will cost you), Amount Financed $1098.58 (The amount of credit provided to you or on your behalf), and Total of Payments $1315.21 (The amount you will have paid after you have made all payments as scheduled. The original principal amount as used in this section shall be the same amount as the amount financed as defined by the Federal Truth in Lending Act and Regulation Z of the Board of Governors of the Federal Reserve System.**
