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Under Illinois law, for instance, if the dealership can't find financing at the rate in the contract, it is required to return to the purchaser any down payment or trade-in under the contract, according to the state attorney general's Web site . The federal Truth in Lending Act treats payday loans like other types of credit: the lenders must disclose the cost of the loan. Payday lenders must give you the finance charge (a dollar amount) and the annual percentage rate (APR â the cost of credit on a yearly basis) in writing before you sign for the loan. The APR is based on several things, including the amount you borrow, the interest rate and credit costs youâre being charged, and the length of your loan. Bad Credit Loans Up To 5000
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