The APR is based on instance loan terms of 1 cost ("Whole of Payments") due in 7, 14 and 30 days. For those who want a 1000 loan until the following month whenever you obtain your paycheck, these will help you to bridge the gaps between paydays. In case you're authorised, you'll obtain a one-time-use credit card that you need to use to pay at a retailer, both in store or on-line.