High quality adds but low CPC

i have adsense account and site where i drive traffic , my site is about loans and it has very high cpc and my adds are relevant to this keywords, they are about loans, so my account was not smart priced, but when i receive clicks from usa i only get 0.18 euro for one click, it will raise after some time or there's some problem? i've created this account only one month ago and start working on it about 4-5 days ago.

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