Failure to provide minimum and maximum period for repayment Failure to provide maximum Annual Percentage Rate (APR), which generally includes interest rate plus fees and other costs for a year, or similar other rate calculated consistently with local law (up to 36 months with 0% APR) Failure to display a representative example of the total cost of the loan, including all applicable fees ( If your loan amount is $5,000 the total amount of interest paid would be $0.00)