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Cash Advances in Rhode Island
As of right now, only 25 states have laws which were created specifically for payday loans. Many states, Rhode Island include, force payday loans to comply with the state’s small loan or criminal usury laws. Rhode Island imposes a maximum loan amount of $500. The loan term cannot be longer than fourteen days, but a customer is able to roll over their loan once. Payday lenders may charge no more than 15% of the face value of the check. Rhode Island also allows for a person to have up to three payday loans at one time. Most states require that a person only have one small loan at a time, or if they have multiple small loans, they must not exceed a certain amount.
Rhode Island also requires that the payday lender provides the borrower with a written agreement. The written agreement should state the total amount of fees charged, expressed in United States currency and as an annual percentage rate (APR), as well as the maximum loan term of 14 days. The written agreement is standard for most states which allow instant cash advances. Payday lenders must also state the schedule of fees in a place where it is visible to borrowers, and they must also display which forms of identifications are valid when applying for a payday loan.
Instant cash advance laws from state to state don’t vary too much. Although some states have specific regulations, such as Rhode Island, generally most of the laws are standard, and are meant only to make the payday loan process as worry free and convenient as possible.
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