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Representative APR 391percent. Average APR with this style of loans is 391%. Week let’s say you want to borrow $100 for two. Lender may charge you $15 for borrowing $100 for 14 days. You need to get back $115 towards the loan provider in the end of 14 days. The price of the $100 loan is just a $15 finance cost and a percentage that is annual of 391 percent. If you opt to move on the loan for the next fourteen days, loan provider may charge you another $15. The finance charge would climb to $60 to borrow the $100 if you roll-over the loan three times.