PaydayInUSA does not set rates or fees. A lender's written offer is the source for the APR, finance charge, due dates and total of payments.
A payday loan may be due in a single payment. An installment loan is repaid over several scheduled payments. Compare the total repayment and cash you actually receive, including any fees deducted before funding.
If you receive $100 and repay $115 after 14 days, the $15 charge corresponds to about 391% APR using simple annualization. This example illustrates cost only. It is not an offer or a rate available through this site.