HB 4339 increases the maximum allowable interest rates for certain consumer loans that are not secured by real property. The bill raises the interest rate cap for loans based on tiered cash advance amounts. Specifically, for loans up to approximately $500, the maximum interest rate increases from 30% to 36% per year; for loans between approximately $500 and $1,050, the cap rises from 24% to 30% per year; and for loans between approximately $1,050 and $2,500, the cap increases from 18% to 24% per year. These changes apply only to loans made on or after the bill's effective date, with prior loans governed by the law in effect at the time they were issued​.