Rates

QUALIFICATIONS

REQUIRED ITEMS

● A regular, verifiable source of income
● An active checking account
● A working phone
*Additional qualifications or requirements may apply.
See store personnel for details.

● Your most recent pay stub (if you are employed)

OR
Your most recent bank statement
(if you have another source of income)

● Your checkbook or debit card
● Proof of current address (phone or utility bill)
● Driver’s license or government-issued photo ID

FINANCE CHARGE SCHEDULE*

*The APR calculation is based on a loan with a 14-day term for the top section and a 30 day term for the bottom. Your APR may be different if your loan term is not 14 or 30 days. The APR of your loan will be disclosed in the federal Truth-in-Lending Statement contained in your promissory note.

CASH ADVANCE

					Components of the Finance Charge
ANNUAL PERCENTAGE RATE The percentage dscredit as a yearly rate (Assumes a 14-day term)	FINANCE CHARGE The dollar amount the credit will cost you	AMOUNT FINANCED The amount we pay to you or on your behalf	TOTAL OF PAYMENTS The amount you will have paid after you have made all payments as scheduled	NOTE TERM Number of days fees are calculated on	CSO Fee paid to loan broker (Texas Star, LLC.)	Interest paid to lender (PG,LLC.)
664.29%	$28.48	$100.00	$125.48	14	$28.00	$0.48
664.29%	$50.96	$200.00	$250.96	14	$50.00	$0.96
664.29%	$127.40	$500.00	$627.40	14	$125.00	$2.40
664.29%	$254.79	$1000.00	$1254.79	14	$250.00	$4.79
599.11%	$241.28	$1050.00	$1291.28	14	$262.50	$5.03

309.88%	$25.47	$100.00	$125.47	30	$22.50	$0.47
310.00%	$76.44	$300.00	$376.44	30	$75.00	$1.44
310.00%	$127.40	$500.00	$627.40	30	$125.00	$2.40
310.00%	254.79	$1000.00	$1254.79	30	$250.00	$4.79

Title Loans

QUALIFICATIONS

REQUIRED ITEMS

● A regular, verifiable source of income
● Clear vehicle title 2000 or newer
● A working phone
*Additional qualifications or requirements may apply.
See store personnel for details.

● Your most recent pay stub (if you are employed)

OR
Your most recent bank statement
(if you have another source of income)

● Texas title
● Proof of current address (phone or utility bill)
● Driver’s license or government-issued photo ID

					Components of the Finance Charge
ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate (Assumes a 14-day term)	FEES PAID TO PUBLIC OFFICIALS	AMOUNT FINANCED The amount we pay to you or on your behalf	TOTAL OF PAYMENTS The amount you will have paid after you have made all payments as scheduled	NOTE TERM Number of days fees are calculated on	CSO Fee paid to loan broker (Texas Star, LLC.)	Interest paid to lender (PG,LLC.)
378.00%	$33.00	$200.00	$305.39	30	$69.90	$2.49
378.00%	$33.00	$600.00	$829.66	30	$189.90	$6.76
378.00%	$33.00	$1500.00	$2009.28	30	$459.90	$16.38

*Late Fee of the greater of 5% of the total payment amount or $7.50 if any payment is in default for a period not less than 10 days

** This business is licensed and examined by the State of Texas- Office of Consumer Credit Commissioner. Call the Consumer Credit Hotline for credit information or assistance with credit problems.
(800) 538-1579
consumer.complaints@occc.texas.gov
occc.texas.gov

*** An Advance of money obtained through a cash advance or title loan is not intended to meet long-term financial needs. A cash advance or title loan should only be used to meet intermediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.

Fee Schedule and Consumer Notice

Fee Schedule and Consumer Notice (PDF)

Bi Weekly Payday Disclosure

Bi Weekly Payday Disclosure (PDF)

Monthly PDA Disclosure

Monthly PDA Disclosure (PDF)

Title Disclosure

Title $500 Disclosure (PDF)

Title $1000 Disclosure (PDF)

Title $1500 Disclosure (PDF)

Disclosure Statement
Schedule A

FEE SCHEDULE AND CONSUMER NOTICE

BI-WEEKLY CSO FEE, 168 DAY SINGLE LUMP SUM PAYDAY LOANS

Mineola Texas Star, LLC. is a registered Texas Credit Service Organization licensed as a Credit Access Business (“CAB”), operating pursuant to Chapter 393 of the Texas Finance Code. The business is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address 2601 N Lamar Blvd. Austin, TX 78705.
Phone (800) 538-1579.
Fax (512) 936-7610.
Website: occc.texas.gov.
Email: consumer.complaints@occc.texas.gov.

For our services we charge you a fee bi-weekly at the rate of 25% of the original principal amount of the extension of credit that we arrange for you (the “CSO FEE”) until the entire original principal amount is paid in full. The CSO FEE is not interest; however, for Federal Truth in Lending Act purposes it is required to be included in the finance charge calculation disclosed in the Single Lump Sum Payment Promissory Note you may execute with the Lender.

A Payday Loan Has a Standard Loan Term of 168 Days*

Amount of Loan ( Amount Received)	Standard Loan Term (In Days)	CSO Fees (12 payments in Aggregate) ($25 fee paid to CSO bi-weekly	Interest (Paid to Lender at 10.00%)	Total of Payments (Loan Amount, CSO Fees and Lender Interest)	ANNUAL PERCENTAGE RATE
$200	168	$600.00	$9.20	$809.20	652.20%
$400	168	$1,200	$18.41	$1,618.41	652.20%
$600	168	$1,800	$27.62	$2,427.62	652.20%
$800	168	$2,400	$36.82	$3236.82	652.20%

*Calculations are based on a 12 payment loan; amount shall very based on your loan term, amount received and pay cycle

A Payday Loan Has a standard Loan Term of 150 Days*

Amount of Loan (Amount Received)	Standard Loan Term (IN DAYS)	CSO FEES ( 6 Aggregate)($25 fee paid to CSO Monthly)	Interest	Total of Payments	Annual Percentage Rate
$200	150	$250.00	$8.22	$458.22	305.95%
$400	150	$500.00	$16.44	$916.44	305.95%
$600	150	$750.00	$24.66	$1,374.66	305.95%
$800	150	$1,000.00	$32.88	$1,832.88	305.95%

*Calculations are based on a 6 payment loan; amount shall very based on your term, amount received, and pay cycle

If your payment is in default for 10 or more days, you will owe lender a late fee of 5% of the payment amount (on the principal and interest only) or $7.50, whichever is greater. If you ACH debit or other payment device which you give to lender as payment is returned for any reason, you will owe lender a returned item fee of $30.00 ( or the state Allowed Return Item Fee, Whichever is greater), plus any applicable taxes.

Consumer Notice An Advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.