Eagle Advance payments and payoff
Eagle Advance ties payments to your pay dates. The schedule is fixed when you sign. Extra payments and early payoff are allowed, and they are the main way to lower the cost.
How the schedule is set
- First payment: your next pay date that is at least 5 days away. If your next pay date is closer than that, the first payment moves to the one after.
- Later payments: each following pay date.
- Weekends and holidays: the due date shifts to the business day before or after, whichever you chose on your application.
- End of the loan: when every scheduled payment has been made on time, the loan is paid in full.
The lender may send email reminders before a due date.
Paying extra or paying off early
The lender encourages principal reduction and early payoff. To add money to a scheduled payment, tell customer service at least 2 business days before the due date. Otherwise only the scheduled installment is taken on that date.
For a payoff, ask for the payoff amount good through a specific date and get it in writing.
If a payment fails or is late
| What happens | Lender fee |
|---|---|
| Payment returned for insufficient funds or dishonored by your bank | $30 |
| Payment more than 10 days late | $20 |
There are no payday-style extensions. If you see a problem coming, call 888-659-6987 before the due date and follow up by email.
What a schedule can look like
The table shows equal biweekly payments at example APRs. Your own agreement lists the exact dates and amounts.
| Example APR | Each payment | Finance charge | Total repaid |
|---|---|---|---|
| 36% APR | $79.75 | $37.98 | $637.98 |
| 200% APR | $103.19 | $225.54 | $825.54 |
| 400% APR | $135.41 | $483.24 | $1,083.24 |
| 600% APR | $170.92 | $767.40 | $1,367.40 |
Keeping payments on track
- Put each due date in your phone the day you sign.
- Keep a small cushion in checking the night before a debit.
- If your pay schedule changes, tell the lender right away.
- Do not take a second short-term loan to cover the first.
Questions people ask
When is my first Eagle Advance payment due?
Usually on your next pay date that is at least 5 days after the loan starts. If your next pay date is sooner, the first payment falls on the following one.
Can I extend an Eagle Advance loan?
No. The lender says extensions are not available and that the installment schedule provides a longer payback period instead.
Is there a prepayment penalty?
The lender's public pages do not list one, and they encourage early payoff to reduce finance charges. Confirm in your agreement.
How do I make an Eagle Advance payment?
Payments follow the schedule in your agreement on your pay dates. For extra payments, payoff or changes, contact customer service at 888-659-6987.
Sources
Checked November 10, 2026. Lender terms can change; confirm details with the lender before you borrow.
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