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Lending Laws of Rhode Island

In Rhode Island, theĀ maximum loan amount is $500. Your loan term has to be at least 13 days. There is no maximum loan term. TheĀ maximum finance charge is 10-percent of the amount you borrow. That means if you take out a 14-day, $100 loan, you would at most pay a $10 finance charge. That would be a 260% APR.

You are allowed to take out up to three outstanding cash advances at one time, but the sum of all those loans cannot be over $500. You are allowed to extend your loan a single time.

You don’t want to default on your loan in Rhode Island. Most states define the collection fees that a lender is allowed to charge you. In Rhode Island, though, these fees are not specified. That means you need to read over your loan agreement and figure out what your lender has set these rates at. Then, try your hardest not to be put in a position where you would be hit with those fees.

Rhode Island (RI)

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About Rhode Island

Rhode Island is the smallest state in the United States. The capital and largest city is Providence.

Rhode Island was one of the original Thirteen Colonies, and became a state (the last of the thirteen to agree to the new United States Constitution) in 1790.

Rhode Island is bordered on the north and east by Massachusetts, on the west by Connecticut, and on the south by Rhode Island Sound and the Atlantic Ocean. It shares a water border with New York. It is named for a large island in Rhode Island Sound. Rhode Island was founded by Roger Williams for religious freedom. Rhode Island is also thought for its name made by Wikipedia Giovanni DA overran who thought the island looked liked Rhodes, an island in Greece.

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