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Graphic: Inside World Finance Loans

This is a selection from the more than 100 World Finance loans ProPublica collected from 10 different states. All of these borrowers declared bankruptcy. Because state law determines how much World can charge for its loans, the rates vary widely among different states. Also, in certain states, World includes insurance products that significantly boost the cost of the loans. | Related: The 182 Percent Loan: How Installment Lenders Put Borrowers in a World of Hurt

States where World Finance operates

Have example loans No example loans

Hover over the categories for more information.

Alabama

Example Loan No. 1

Date of Loan: March 30, 2012

Stated APR:

Stated APR

The annual percentage rate listed on the contract

139.8%

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

139.8%

Monthly Payment: $60

Number of Payments: 5

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$218

Total Payments Owed: $300

Example Loan No. 2

Date of Loan: Nov. 4, 2008

Stated APR:

Stated APR

The APR listed on the contract

42.3%

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

75.9%

Monthly Payment: $180

Number of Payments: 24

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$2,193

Total Payments Owed: $4,320

Hover over the categories for more information.

Alaska

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Arizona

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Arkansas

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

California

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Colorado

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Connecticut

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Delaware

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

District of Columbia

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Florida

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Georgia

Example Loan No. 1

Date of Loan: March 25, 2011

Stated APR:

Stated APR

The annual percentage rate listed on the contract

92.6%

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

145.8%

Monthly Payment: $65

Number of Payments: 6

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$266

Total Payments Owed: $390

Example Loan No. 2

Date of Loan: April 6, 2012

Stated APR:

Stated APR

The APR listed on the contract

51.7%

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

97.8%

Monthly Payment: $88

Number of Payments: 9

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$546

Total Payments Owed: $792

Hover over the categories for more information.

Hawaii

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Idaho

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Illinois

Example Loan No. 1

Date of Loan: May 13, 2011

Stated APR:

Stated APR

The annual percentage rate listed on the contract

66.7%

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

66.7%

Monthly Payment: $134

Number of Payments: 18

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$1,500

Total Payments Owed: $2,412

Example Loan No. 2

Date of Loan: Aug. 8, 2011

Stated APR:

Stated APR

The APR listed on the contract

69.5%

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

69.5%

Monthly Payment: $132

Number of Payments: 15

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$1,300

Total Payments Owed: $1,980

Hover over the categories for more information.

Indiana

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Iowa

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Kansas

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Kentucky

Example Loan No. 1

Date of Loan: Dec. 12, 2011

Stated APR:

Stated APR

The annual percentage rate listed on the contract

33.6%

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

75.1%

Monthly Payment: $178

Number of Payments: 18

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$1,891

Total Payments Owed: $3,204

Example Loan No. 2

Date of Loan: Sept. 24, 2010

Stated APR:

Stated APR

The APR listed on the contract

24.4%

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

55.8%

Monthly Payment: $316

Number of Payments: 36

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$5,472

Total Payments Owed: $11,376

Hover over the categories for more information.

Louisiana

Example Loan No. 1

Date of Loan: Feb. 17, 2011

Stated APR:

Stated APR

The annual percentage rate listed on the contract

81.4%

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

144.2%

Monthly Payment: $75

Number of Payments: 7

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$342

Total Payments Owed: $525

Example Loan No. 2

Date of Loan: July 9, 2010

Stated APR:

Stated APR

The APR listed on the contract

35.2%

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

64.1%

Monthly Payment: $180

Number of Payments: 24

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$2,402

Total Payments Owed: $4,320

Hover over the categories for more information.

Maine

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Maryland

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Massachusetts

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Michigan

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Minnesota

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Mississippi

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Missouri

Example Loan No. 1

Date of Loan: July 1, 2011

Stated APR:

Stated APR

The annual percentage rate listed on the contract

203.9%

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

203.9%

Monthly Payment: $50

Number of Payments: 5

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$160

Total Payments Owed: $250

Example Loan No. 2

Date of Loan: Sept. 14, 2011

Stated APR:

Stated APR

The APR listed on the contract

96.5%

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

96.5%

Monthly Payment: $133

Number of Payments: 12

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$1,000

Total Payments Owed: $1,596

Hover over the categories for more information.

Montana

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Nebraska

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Nevada

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

New Hampshire

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

New Jersey

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

New Mexico

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

New York

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

North Carolina

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

North Dakota

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Ohio

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Oklahoma

Example Loan No. 1

Date of Loan: Nov. 8, 2006

Stated APR:

Stated APR

The annual percentage rate listed on the contract

119.7%

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

119.7%

Monthly Payment: $70

Number of Payments: 7

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$341

Total Payments Owed: $490

Example Loan No. 2

Date of Loan: Sept. 7, 2010

Stated APR:

Stated APR

The APR listed on the contract

25.5%

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

55.2%

Monthly Payment: $180

Number of Payments: 24

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$2,583

Total Payments Owed: $4,320

Hover over the categories for more information.

Oregon

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Pennsylvania

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Rhode Island

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

South Carolina

Example Loan No. 1

Date of Loan: Nov. 3, 2010

Stated APR:

Stated APR

The annual percentage rate listed on the contract

82.0%

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

108.3%

Monthly Payment: $60

Number of Payments: 5

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$233

Total Payments Owed: $300

Example Loan No. 2

Date of Loan: Nov. 28, 2009

Stated APR:

Stated APR

The APR listed on the contract

43.2%

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

73.2%

Monthly Payment: $120

Number of Payments: 18

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$1,290

Total Payments Owed: $2,160

Hover over the categories for more information.

South Dakota

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Tennessee

Example Loan No. 1

Date of Loan: May 20, 2009

Stated APR:

Stated APR

The annual percentage rate listed on the contract

64.0%

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

64.0%

Monthly Payment: $104

Number of Payments: 9

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$728

Total Payments Owed: $936

Example Loan No. 2

Date of Loan: May 30, 2009

Stated APR:

Stated APR

The APR listed on the contract

27.7%

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

57.4%

Monthly Payment: $215

Number of Payments: 28

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$3,281

Total Payments Owed: $6,020

Hover over the categories for more information.

Texas

Example Loan No. 1

Date of Loan: Jan. 31, 2012

Stated APR:

Stated APR

The annual percentage rate listed on the contract

90.9%

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

90.9%

Monthly Payment: $60

Number of Payments: 5

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$242

Total Payments Owed: $300

Example Loan No. 2

Date of Loan: Jan. 17, 2012

Stated APR:

Stated APR

The APR listed on the contract

80.6%

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

80.6%

Monthly Payment: $155

Number of Payments: 12

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

$1,250

Total Payments Owed: $1,860

Hover over the categories for more information.

Utah

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Vermont

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Virginia

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Washington

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

West Virginia

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Wisconsin

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Hover over the categories for more information.

Wyoming

Example Loan No. 1

Date of Loan:

Stated APR:

Stated APR

The annual percentage rate listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

Example Loan No. 2

Date of Loan:

Stated APR:

Stated APR

The APR listed on the contract

Effective APR:

Effective APR

ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges

Monthly Payment:

Number of Payments:

Actual Amount Borrowed:

Actual Amount Borrowed

The loan's principal, including both cash to the borrower and funds used to pay off the previous loan. About three-quarters of World's loans are actually renewals, not new loans.

Total Payments Owed:

World Finance operates in 13 states. Click on each dark blue state to see details of the World Finance loans we examined in that state.