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Non-Payment | in the case that you do not repay your loan on or before the loan due date, your loan will be considered “delinquent” and will be subject to a fee defined by the lender. In addition, your bank will charge you an NSF (non-sufficient funds) fee for the failed item. The rate of interest will continue to grow on the unpaid balance at a rate of up to 36% per year. Only reputable collection agencies that comply with all lawful collections practices are employed and the customer’s credit rating may be negatively impacted if payment is not made in a timely fashion. Delinquency has to be taken up in court you will have to bear all the court, legal & admin fees. ONTARIO Maximum Allowable Cost per $100 Borrowed:$15.00 Example: Your $300-Total you Repay $345.00. Title loan Possible Example: $1000 borrowed for 12 months. Interest $206.36. APR 36%. Total Amount Payable: $1206.36 Minimum Loan Duration: 90 Days - Maximum Loan Duration: 5 Years.

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