Credit Rates & terms
Rates And Terms By State
Texas, Missouri, Wisconsin, Utah
Galt Credit Personal Loans in Texas
Texas Rates & Terms
Click below for examples of consumer disclosure forms which are required by law. These are examples of the total costs and fees associated with the different loan amounts or payment schedules
(Please note your actual payments may vary):
Example of a multi-payment Loan for $500 Installment Loan – 10 Bi-weekly Payments
Example of a multi-payment Loan for $600 Installment Loan – 5 Monthly Payments
Example of a multi-payment Loan for $600 Installment Loan – 24 Weekly Payments
CSO/CAB Installment Loan.
For Texas residents, GALT FINANCIAL SOLUTIONS LLC. will be the direct lender for loans that you may receive from this website. GALT FINANCIAL SOLUTIONS LLC is a Credit Service Organization and a Credit Access Business (“CSO/CAB”).
Galt Credit will attempt to arrange for a loan between you and a third-party lender, service that loan if the loan is funded and provide a guarantee to third-party lender. If you have any questions regarding your loan or services provided by the CSO/CAB, please direct all questions or comments to: GALT FINANCIAL SOLUTIONS LLC. (888-743-6229) and not the third-party lender.
•The minimum loan amount available to Texas customers is $100.00
•The maximum loan amount available to Texas customers is $1000.00*
•Loan Terms are Approximately 4-10 months
•Total Interest and CSO/CAB Fees Rate: Combining both the Interest Rate and CSO/CAB Fees express as an Annual Percentage Rate. The APR may be 599% APR however rates and interest may vary based upon on the loan amount and applicant’s qualifications.
•The Third-Party Lender will charge an interest rate not to exceed 10.00% per annum and the Credit Service Organization/Credit Access Business will also charge fees.
•Actual loan terms may vary based on applicant’s qualifications.
•Number of payments is determined by your employment pay frequency. Your loan will be contracted for at least 120 days and not more than 180 days.
•You may pre-pay your loan at any time without penalty and only pay interest accrued and fees earned up to the date of in which you have incurred.
You have the right to cancel your loan within 3 calendar days of signing your loan docs. Cancellation Forms will be provided with your Loan Documents.
*All Fees, Interest and Loan Terms are subject to vary by state
Please see below for additional loan details –
Sample Fees and Rates
The CSO/CAB Fees will vary based on your loan amount and qualifications. The Third-Party Lender will also charge interest at a Rate not to exceed 10% APR.
CLICK BELOW FOR EXAMPLES OF CONSUMER DISCLOSURE FORMS WHICH ARE REQUIRED BY LAW. THESE ARE EXAMPLES OF THE TOTAL COSTS AND FEES ASSOCIATED WITH THE DIFFERENT LOAN AMOUNTS OR PAYMENT SCHEDULES. (PLEASE NOTE YOUR ACTUAL PAYMENTS MAY VARY)
Multi-payment Loan $500 Bi-weekly
Multi-payment Loan $1000 Monthly
Multi-payment Loan $500 Weekly
Multi-payment Loan $1000 Bi-Weekly
Galt Credit LLC obtained a license with the Texas Office of Consumer Credit Commissioner. You may contact the Consumer Credit Hotline for information or assistance. Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas
Phones: 78705-4207, (800)538-1579
Emails:
consumer.complaints@occc.texas.gov or occc.texas.gov.
The Loans or extension of credit obtained through an installment or payday loan is not intended to meet long-term financial needs and should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.
Please call us at 888-743-6229 and your Loan Officer will provide you of the exact rate, fee and payments for your loan.
We are a direct lender in the State of Texas.
Galt Credit in Personal Loans in Missouri
Missouri Rates & Terms
The rates and fees you will be charged will vary by state and based on your qualifications. Please review your loan documents for your rates and fees, before signing the loan documents. If you have any questions, please contact us.
- The minimum loan amount available to Missouri customers is $100.00.
- The maximum loan amount available to Missouri customers is $1500.00*
- Loan Terms are Approximately 4-10 months.
- * All Fees, Interest and Loan Terms are subject to vary by state.
- Actual loan terms may vary based on applicant’s qualifications.
- Number of payments is determined by your employment pay frequency. Your loan will be contracted for at least 120 days, this is required by law.
- You may pre-pay your loan at any time without penalty and only pay interest accrued up to the date of in which you have incurred.
We are a direct lender in the State of Missouri.
Truman State Office Building, Room 630, Jefferson City, MO 65102
Please call us at 888-743-6229 and your Loan Officer will provide you of the exact rate, fee and payments for your loan.
We are a direct lender in the State of Missouri.
THIS IS AN EXAMPLE OF A LOAN WITH BI-WEEKLY PAYMENTS. THIS IS ONLY AN EXAMPLE AND YOUR AMOUNTS, FEES, INTEREST AND PAYMENTS CAN VARY DEPENDING ON YOUR QUALIFICATIONS AND STATE.
| Payment # | Date | Amount |
|---|---|---|
| 1 | 10/06/23 | $117.23 |
| 2 | 10/20/23 | $117.23 |
| 3 | 11/03/23 | $117.23 |
| 4 | 11/17/23 | $117.23 |
| 5 | 12/01/23 | $117.23 |
| 6 | 12/15/23 | $117.23 |
| 7 | 12/29/23 | $117.23 |
| 8 | 01/12/24 | $117.23 |
| 9 | 01/26/24 | $117.23 |
| 10 | 02/09/24 | $117.23 |
| 11 | 02/23/24 | $117.23 |
| 12 | 03/08/24 | $117.15 |
Galt Credit Personal Loans in Utah
Wisconsin Rates & Terms
The rates and fees you will be charged will vary by state and based on your qualifications. Please review your loan documents for your rates and fees, before signing the loan documents. If you have any questions, please contact us.
- The minimum loan amount available to Wisconsin customers is $100.00.
- The maximum loan amount available to Wisconsin customers is $1500.00*
- Loan Terms are Approximately 4-10 months.
- * All Fees, Interest and Loan Terms are subject to vary by state.
- Actual loan terms may vary based on applicant’s qualifications.
- Number of payments is determined by your employment pay frequency. Your loan will be contracted for at least 120 days, this is required by law.
- You may pre-pay your loan at any time without penalty and only pay interest accrued up to the date of in which you have incurred.
We are a direct lender in the State of Wisconsin.
Galt Credit Wisconsin obtained a license with the Wisconsin Department of Financial Institutions. You may contact the Consumer Credit Hotline for information or assistance.
Address: 4822 Madison Yards Way, Madison, WI 53705.
Phone: +1 608-261-9555
Please call us at 888-743-6229 and your Loan Officer will provide you of the exact rate, fee and payments for your loan.
NOTE: If you make all your payment on time as reflected in the payment schedule, you will pay off your loan on the final payment.
We are a direct lender in the State of Missouri.
Galt Credit Personal Loans In Utah
Utah Rates & Terms
The rates and fees you will be charged will vary by state and based on your qualifications. Please review your loan documents for your rates and fees, before signing the loan documents. If you have any questions, please contact us.
If you have any questions, please contact us.
- The minimum loan amount available to Utah customers is $100.00.
- The maximum loan amount available to Utah customers is $1500.00*
- Loan Terms are Approximately 4-10 months.
- * All Fees, Interest and Loan Terms are subject to vary by state.
- Actual loan terms may vary based on applicant’s qualifications.
- Number of payments is determined by your employment pay frequency. Your loan will be contracted for at least 120 days, this is required by law.
- You may pre-pay your loan at any time without penalty and only pay interest accrued up to the date of in which you have incurred.
We are a direct lender in the State of Utah.
Utah Department of Financial Institutions
324 South Street, Suite 201, Salt Lake City, UT, 84111
PO BOX 146800 Salt Lake City, UT 84114-6800
Phone: (801) 538-8830
We are a direct lender in the State of Utah.