CONSUMER LOAN STANDARD RATE OF CHARGE REPORT
QUARTERLY REPORT AS OF 12/31/2020
PURSUANT TO ARIZONA REVISED STATUTES § 6-609(D), THE ARIZONA DEPARTMENT OF FINANCIAL INSTITUTIONS PRESENTS THIS
REPORT OF THE STANDARD ANNUAL PERCENTAGE RATE OR RANGE OF ANNUAL PERCENTAGE RATES REPORTED BY CONSUMER
LENDER LICENSEES FOR THE FOLLOWING TYPES OF LOANS:
LOAN TYPE 1: A FIVE HUNDRED DOLLAR UNSECURED CONSUMER LOAN, PAYABLE IN TWELVE EQUAL MONTHLY
INSTALLMENTS.
LOAN TYPE 2: A TWENTY-FIVE HUNDRED DOLLAR CONSUMER LOAN SECURED BY A MOTOR VEHICLE, PAYABLE
IN THIRTY-SIX EQUAL MONTHLY INSTALLMENTS.
LOAN TYPE 3: A NINE THOUSAND DOLLAR CONSUMER LOAN SECURED IN FULL BY REAL PROPERTY, PAYABLE
IN ONE HUNDRED TWENTY EQUAL MONTHLY INSTALLMENTS. (NO POINTS)
LOAN TYPE 4: A CONSUMER REVOLVING LOAN ACCOUNT WITH AN AGREED ON CREDIT LIMIT OF THREE THOUSAND DOLLARS.
LOAN TYPE 5: A HOME EQUITY REVOLVING LOAN ACCOUNT WITH AN AGREED ON CREDIT LIMIT OF TEN THOUSAND DOLLARS.
N/A: LICENSEE DOES NOT OFFER THIS TYPE OF LOAN.
POINTS: PREPAID FINANCE CHARGES CHARGED IN CONNECTION WITH A HOME EQUITY REVOLVING LOAN ACCOUNT.
ALL CHARGES ARE EXPRESSED AS AN ANNUAL PERCENTAGE RATE (APR) AS DEFINED IN THE FEDERAL CONSUMER CREDIT PROTECTION ACT. (15 U.S.C. SECTION 1606).
DATE: January 20, 2021 CLRATES
NAME OF CONSUMER LENDER
LICENSEES
LOAN TYPE 1 LOAN TYPE 2 LOAN TYPE 3 LOAN TYPE 4 LOAN TYPE 5
RATE(S)
RATE(S)
RATE(S)
RATE(S)
RATE(S)
ABOVE LENDING, INC.
ABSOLUTE INSURANCE GROUP
SOUTHWEST, LLC
N/A N/A N/A N/A N/A
AC AUTOPAY
N/A
12% - 24%
N/A
N/A
N/A
ACCESS LOANS LLC
ACCESSONE MED CARD, INC.
-
-
-
-
-
ACORN FINANCE
ADIR FINANCIAL, LLC N/A N/A N/A N/A N/A
AJEVA LLC
N/A
N/A
N/A
N/A
N/A
CONSUMER LOAN STANDARD RATE OF CHARGE REPORT
QUARTERLY REPORT AS OF 12/31/2020
NAME OF CONSUMER LENDER
LICENSEES
LOAN TYPE 1 LOAN TYPE 2 LOAN TYPE 3 LOAN TYPE 4 LOAN TYPE 5
RATE(S)
RATE(S)
RATE(S)
RATE(S)
RATE(S)
AMERICAN CREDIT ACCEPTANCE, LLC - - - - -
AMERIFIRST HOME IMPROVEMENT
FINANCE, LLC
AURA FINANCIAL LLC
N/A
N/A
N/A
N/A
N/A
AUTOGRAVITY CORPORATION N/A N/A N/A N/A N/A
AVANT OF ARIZONA, LLC
N/A
N/A
N/A
N/A
N/A
BLINCLOANS, LLC
BORO
BMG LOANSATWORK, LLC
N/A
N/A
N/A
N/A
N/A
CHECK INTO CASH OF ARIZONA, INC 0.36 N/A N/A N/A N/A
CLIMB INVESTCO LLC
5-19%
N/A
N/A
N/A
N/A
COGNITION LENDING CORPORATION N/A N/A N/A N/A N/A
COINBASE CREDIT, INC.
COMMONBOND LENDING, LLC
N/A
N/A
N/A
N/A
N/A
COUNTRYPLACE MORTGAGE LTD. N/A N/A N/A N/A N/A
CREDIT KARMA OFFERS, INC.
N/A
N/A
N/A
N/A
N/A
CREDIT9, INC. 0 0 0 0 0
DELMARVA FUNDING LC N/A N/A N/A N/A N/A
DOMUSO INC.
20-35.5
N/A
N/A
N/A
N/A
EARNEST OPERATIONS LLC N/A N/A N/A N/A N/A
EDVISORS FAS, INC.
FCC FINANCE, LLC N/A N/A N/A N/A N/A
FINANCE OF AMERICA MORTGAGE LLC NA NA NA NA NA
FINANCELT INC. - - - - -
FINCO HOLDING CORP. 35.5% - 36% 35.5% - 36% N/A N/A N/A
FINFIT OPS, LLC N/A N/A N/A N/A N/A
FIRST INVESTORS FINANCIAL SERVICES N/A 7% - 24% N/A N/A N/A
CONSUMER LOAN STANDARD RATE OF CHARGE REPORT
QUARTERLY REPORT AS OF 12/31/2020
NAME OF CONSUMER LENDER
LICENSEES
LOAN TYPE 1 LOAN TYPE 2 LOAN TYPE 3 LOAN TYPE 4 LOAN TYPE 5
RATE(S) RATE(S) RATE(S) RATE(S) RATE(S)
FLAGSHIP CREDIT ACCEPTANCE LLC
N/A
N/A
N/A
N/A
N/A
FOURSIGHT CAPITAL LLC N/A N/A N/A N/A N/A
FRONTERA FINANCIAL LLC 0.36 0.264 0.24 0.24 N/A
FUNDING UNIVERSITY, INC
GENESIS BLOCK, LLC
GREAT AMERICAN FINANCE HOLDINGS,
LLC
GREAT RIVERS COMMUNITY 11.92% - 12.004% Not Offered Not Offered Not Offered Not Offered
GREEN BEAR OF ARIZONA, LLC
GUSTO CAPITAL, LLC 0% N/A N/A N/A N/A
HAPPY MONEY, INC N/A N/A N/A N/A N/A
IMAGINE FINANCIAL INC.
INNOVATIVE AUTO FINANCE
J.J. BEST AND COMPANY
N/A
N/A
N/A
N/A
N/A
KASHABLE LLC
6% - 36%
N/A
N/A
N/A
N/A
KEO INSTANT LOAN
LENDINGCLUB CORPORATION
N/A
N/A
N/A
N/A
N/A
LENDINGPOINT LLC N/A N/A N/A N/A N/A
LENDING SOLUTIONS OF NORTHERN
ARIZONA
22-27% N/A N/A N/A N/A
LENDMARK FINANCIAL SERVICES, LLC
0.3599
0.3599
N/A
N/A
N/A
LEVEL LENDING
LIBERTY LENDING GROUP LLC
LIBERTY LENDING, LLC N/A N/A N/A N/A N/A
LOANDEPOT.COM, LLC #2
N/A
N/A
N/A
N/A
N/A
LOANME, INC.
NONE
NONE
NONE
NONE
NONE
LOANPAL, LLC N/A N/A N/A N/A N/A
MARINER FINANCE, LLC
CONSUMER LOAN STANDARD RATE OF CHARGE REPORT
QUARTERLY REPORT AS OF 12/31/2020
NAME OF CONSUMER LENDER
LICENSEES
LOAN TYPE 1 LOAN TYPE 2 LOAN TYPE 3 LOAN TYPE 4 LOAN TYPE 5
RATE(S)
RATE(S)
RATE(S)
RATE(S)
RATE(S)
MERITIZE LENDING LLC
N/A
N/A
N/A
N/A
N/A
MISSION LANE CARD SERVICES LLC (FN)
MO TECHNOLOGIES USA
MONEYLION OF ARIZONA LLC
5.69%-29.99%
N/A
N/A
N/A
N/A
MONEYMART, INC. N/A N/A N/A N/A N/A
NATIONAL DEBT RELIEF LLC
-
-
-
-
-
NAVIENT SOLUTIONS, LLC 0 0 0 0 0
NETCREDIT LOAN SERVICES LLC N/A N/A N/A N/A N/A
NEW CREDIT AMERICA LLC
0.0999
N/A
N/A
N/A
N/A
NEXO FINANCIAL LLC
NISSAN SIGNATURE DIRECT FINANCE LLC
-
-
-
-
-
OMNI FINANCIAL OF NEVADA, INC. 35.92 N/A N/A N/A N/A
ONEMAIN CONSUMER LOAN, INC. N/A 35.49% N/A N/A N/A
ONEMAIN FINANCIAL GROUP, LLC
N/A
35.49%
N/A
N/A
N/A
OPORTUN, INC. - - - - -
PERSONAL ENERGY FINANCE, INC.
-
-
-
-
-
PERSONIFY FINANCIAL N/A N/A N/A N/A N/A
PIONEER MILITARY CREDIT LLC
PREFUNDING SOLUTIONS INC.
PRESTIGE FINANCIAL SERVICES, INC. #1 N/A N/A N/A N/A N/A
PRIMAHEALTH CREDIT
PRIZM FINANCIAL COMPANY, LLC - - - - -
PROSPER MARKETPLACE, INC. - - - - -
QUICK RECOVERY FUNDING LLC
REDBRICK FINANCIAL GROUP, INC. N/A N/A 0.1195 N/A N/A
RELIABLE CREDIT ASSOCIATION, INC. (WA) N/A 23.48-30.63% N/A N/A N/A
CONSUMER LOAN STANDARD RATE OF CHARGE REPORT
QUARTERLY REPORT AS OF 12/31/2020
NAME OF CONSUMER LENDER
LICENSEES
LOAN TYPE 1 LOAN TYPE 2 LOAN TYPE 3 LOAN TYPE 4 LOAN TYPE 5
RATE(S)
RATE(S)
RATE(S)
RATE(S)
RATE(S)
RTO FINANCE LLC
-
-
-
-
-
SALARY FINANCE INC
SALT LENDING, LLC N/A N/A N/A N/A N/A
SANTANDER CONSUMER USA INC. N/A N/A N/A N/A N/A
SCRATCH FINANCIAL LLC 5.9% - 28.9% N/A N/A N/A N/A
SHOGUN ENTERPRISES INC.
N/A
N/A
N/A
N/A
N/A
SIMPLE PATH FINANCIAL LLC 4.99-36% 0 0 4.99-36% 0
SIXUP LENDING LLC N/A N/A N/A N/A N/A
SONARIZ FINANCIAL & MORTGAGE, INC. 18-36 18-36 None None None
SOLAR MOSAIC, INC.
N/A
N/A
N/A
N/A
N/A
SOUTHWEST FINANCIAL SERVICES OF
ARIZONA, INC.
18-45.9 18-39.9 N/A N/A N/A
SOUTHWEST FINANCIAL OF PHOENIX, INC. 18-45.9 18-39.9 N/A N/A N/A
SQUARE CAPITAL, LLC 9%-20% N/A N/A N/A N/A
STILT INC. N/A N/A N/A N/A N/A
STRIKE ACCEPTANCE, INC
SUN WEST MORTGAGE USA, INC. - - - - -
SUNLIGHT CAPITAL LLC (FN)
SUNUP FINANCIAL, LLC
SYNAPSE CREDIT LLC 0-24% N/A N/A 0-24% N/A
TALLY TECHNOLOGIES, INC.
THE IRC’S CENTER FOR ECONOMIC
OPPORTUNITY INC
7.25%-20% 7.25%-20% N/A N/A N/A
THRIVE FINANCIAL INC. - - - - -
TMOBILE FINANCIAL LLC
UPGRADE, INC. N/A N/A N/A N/A N/A
CONSUMER LOAN STANDARD RATE OF CHARGE REPORT
QUARTERLY REPORT AS OF 12/31/2020
UPLIFT TRAVEL SERVICES, INC.
NAME OF CONSUMER LENDER
LICENSEES
LOAN TYPE 1 LOAN TYPE 2 LOAN TYPE 3 LOAN TYPE 4 LOAN TYPE 5
RATE(S) RATE(S) RATE(S) RATE(S) RATE(S)
UPSTART NETWORK, INC. - - - - -
VELOCITY INVESTMENTS, L.L.C. 0 0 0 0 0
VIABILL INC.
VIVINT SOLAR CONSUMER FINANCE, LLC N/A N/A N/A N/A N/A
WESTLAKE DIRECT, LLC N/A 5% - 35.99% N/A N/A N/A
WILSHIRE COMMERCIAL CAPITAL L.L.C. - - - - -
YREFY INC. 0 0 0 0 0
