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
Hover over the categories for more information.
Alabama
Example Loan No. 1
Date of Loan: March 30, 2012
Stated APR
The annual percentage rate listed on the contract
Effective APR
ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges
Monthly Payment: $60
Number of Payments: 5
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: $300
Example Loan No. 2
Date of Loan: Nov. 4, 2008
Stated APR
The APR listed on the contract
Effective APR
ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges
Monthly Payment: $180
Number of Payments: 24
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: $4,320
Hover over the categories for more information.
Alaska
Example Loan No. 1
Date of Loan:
Stated APR
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
Effective APR
ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges
Monthly Payment: $65
Number of Payments: 6
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: $390
Example Loan No. 2
Date of Loan: April 6, 2012
Stated APR
The APR listed on the contract
Effective APR
ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges
Monthly Payment: $88
Number of Payments: 9
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: $792
Hover over the categories for more information.
Hawaii
Example Loan No. 1
Date of Loan:
Stated APR
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
Effective APR
ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges
Monthly Payment: $134
Number of Payments: 18
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: $2,412
Example Loan No. 2
Date of Loan: Aug. 8, 2011
Stated APR
The APR listed on the contract
Effective APR
ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges
Monthly Payment: $132
Number of Payments: 15
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: $1,980
Hover over the categories for more information.
Indiana
Example Loan No. 1
Date of Loan:
Stated APR
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
Effective APR
ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges
Monthly Payment: $178
Number of Payments: 18
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: $3,204
Example Loan No. 2
Date of Loan: Sept. 24, 2010
Stated APR
The APR listed on the contract
Effective APR
ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges
Monthly Payment: $316
Number of Payments: 36
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: $11,376
Hover over the categories for more information.
Louisiana
Example Loan No. 1
Date of Loan: Feb. 17, 2011
Stated APR
The annual percentage rate listed on the contract
Effective APR
ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges
Monthly Payment: $75
Number of Payments: 7
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: $525
Example Loan No. 2
Date of Loan: July 9, 2010
Stated APR
The APR listed on the contract
Effective APR
ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges
Monthly Payment: $180
Number of Payments: 24
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: $4,320
Hover over the categories for more information.
Maine
Example Loan No. 1
Date of Loan:
Stated APR
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
Effective APR
ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges
Monthly Payment: $50
Number of Payments: 5
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: $250
Example Loan No. 2
Date of Loan: Sept. 14, 2011
Stated APR
The APR listed on the contract
Effective APR
ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges
Monthly Payment: $133
Number of Payments: 12
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: $1,596
Hover over the categories for more information.
Montana
Example Loan No. 1
Date of Loan:
Stated APR
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
Effective APR
ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges
Monthly Payment: $70
Number of Payments: 7
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: $490
Example Loan No. 2
Date of Loan: Sept. 7, 2010
Stated APR
The APR listed on the contract
Effective APR
ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges
Monthly Payment: $180
Number of Payments: 24
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: $4,320
Hover over the categories for more information.
Oregon
Example Loan No. 1
Date of Loan:
Stated APR
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
Effective APR
ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges
Monthly Payment: $60
Number of Payments: 5
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: $300
Example Loan No. 2
Date of Loan: Nov. 28, 2009
Stated APR
The APR listed on the contract
Effective APR
ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges
Monthly Payment: $120
Number of Payments: 18
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: $2,160
Hover over the categories for more information.
South Dakota
Example Loan No. 1
Date of Loan:
Stated APR
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
Effective APR
ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges
Monthly Payment: $104
Number of Payments: 9
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: $936
Example Loan No. 2
Date of Loan: May 30, 2009
Stated APR
The APR listed on the contract
Effective APR
ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges
Monthly Payment: $215
Number of Payments: 28
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: $6,020
Hover over the categories for more information.
Texas
Example Loan No. 1
Date of Loan: Jan. 31, 2012
Stated APR
The annual percentage rate listed on the contract
Effective APR
ProPublica's calculation of the annual percentage rate when accounting for all insurance premiums and other extra charges
Monthly Payment: $60
Number of Payments: 5
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: $300
Example Loan No. 2
Date of Loan: Jan. 17, 2012
Stated APR
The APR listed on the contract
Effective APR
ProPublica's calculation of the APR when accounting for all insurance premiums and other extra charges
Monthly Payment: $155
Number of Payments: 12
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: $1,860
Hover over the categories for more information.
Utah
Example Loan No. 1
Date of Loan:
Stated APR
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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
The annual percentage rate listed on the contract
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
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
The APR listed on the contract
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
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.