There are both fees and interest charges associated with Avvance installment loans. 

Fees: 

• If a payment is past due, the loan is subject to late fees.
• If a payment is returned, whether it be for insufficient funds, invalid information or another reason, there will be a returned payment fee. 
   

Interest: 

• There may be an APR (annual percentage rate) applied to an Avvance installment loan. Your APR may be different depending on what the merchant offers. The exact purchase terms will be shown to you before you confirm your Avvance installment loan.
• There is a finance charge associated with an Avvance installment loan. The finance charge is the total interest amount accrued under the terms of the loan. This will be given during the application process.