Fee

Amount

Frequency

Description

Late Payment Fee

If a payment is late, you may be charged the greater of 5% of the past due amount or $15

Per occurrence

If I do not pay you the full amount of any monthly payment within 10 calendar days of its due date, you may charge me a late fee. Any payment received after 3:00PM Pacific time on a business day is deemed received on the next business day.

ACH Return 

or

Check Refund Fee

$15

Per occurrence

We will charge this fee if bank transfers (ACH) or checks are returned or fail due to insufficient funds in your account or for any other reason. Each attempt to collect a payment is considered a separate transaction, so an unsuccessful payment fee will be assessed for each failed attempt. The bank that holds your designated account may assess its own fee in addition to the fee we assess.