A short-term loan is an expensive form of credit. Before applying for a short-term loan with us, you may want to consider other options, including non-credit options (such as discussing your financial situation with a non-profit, financial counseling service available in your community), and whether an expensive short-term loan will lead to long-term debt for you. Please review the Federal Truth-In-Lending Disclosure statement carefully so that you can compare the cost of a loan from us to other loan products available to you from other lenders. It is important you make an informed use of credit and understand how much a loan from us can cost you. If after reviewing the Federal Truth-In-Lending Disclosure Statement, you do not understand the terms and costs of a loan from us, please call our customer service department at 1-800-507-5859 with any questions.