APR Disclosure. In some states the APR (Annual Percentage Rate) is limited in accordance with the laws. Cash advance loans are usually charged at the rates ranging 200%-1386%; installment loans вЂ“ in the range of 6.63%-225%. In those states where APR is not regulated or I any way limited by any laws, the rates can be even higher. Under the term of APR is understood the rate of interest that you get your loan under and it usually depends on several factors such as cost of loan and its amount as well as terms of repayment. The disclosure of APR as well as other terms and conditions is required to be done by all lenders before actual credit agreement is signed. APR rates are subject to change.