Nobody anywhere speaks about MPR, though, and if people did, we'd be used to the typical MPR ranges that a reasonable loan actually falls into. A 462% APR isn'

Nobody anywhere speaks about MPR, though, and if people did, we'd be used to the typical MPR ranges that a reasonable loan actually falls into. A 462% APR isn't staggering because it's "462" in isolation, it's because it's 462 compared with numbers like 30 (credit card) and 5 (mortgages). ZestCash loans are marketed and scheduled for 2 month to 6 month terms, and that APR percentage includes a 30% origination fee that's about double the typically origination fee of most payday loan companies.