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It is important to inform your lender if you cannot be able to repay your loan within the stipulated time. This will give you an opportunity to negotiate an ideal repayment option. The lender may either choose to stop charging the loan interest or extend the original loan repayment date. The lender will settle on an agreement that is convenient for both parties. [link widoczny dla zalogowanych] APR: The equivalent annualized percentage rate for payday loans and other short-term installment loans ranges from 547.5% to 999.45%, based on the amount and the length of the loan. Larger loans with longer payback periods have lower interest rates. While this sounds large, one must consider that these loans are only meant to be for a very small time-frame, usually 2 weeks. Annualizing other fees in the same manner results in APR of 2336% for a returned check fee of $32 against a $100 check, a 965% fee against a $37 credit card late fee or over the limit fee, or a 1203% APR for a typical $46 reconnect fee by a utility company. Contact: