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APR Disclosure. Some states have rules restricting the percentage that is annual (APR) that a lender may charge you. APRs for cash advance payday loans consist of 200% and 1386%, and APRs for installment loans range between 6.63% to 225per cent. Loans from a situation which has no restricting laws and regulations or loans from a bank maybe not governed by state legislation might have a level greater APR. The APR could be the price from which your loan accrues interest and it is in relation to the total amount, expense and term of one’s loan, repayment quantities and timing of repayments.