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Installment Loan Rates, Fees and Terms

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Easy installment loan terms:

CashAmericaToday, as a legitimate direct lender, offers you convenient, fast and affordable online cash loans that can be paid in flexible payments. Our small dollar loans come with a medium loan term with the amount varying depending on the eligibility criteria. As a first time borrower, you can qualify for faxless installment loan of $200 to maximum $1,000.

Loan Repayments: How are installment loans paid back?

Payday loans and installment loans are very different, especially when it comes to repayments. Single payment loans such as payday are structured to pay back in lump sum and are due on your next pay date. This may not be always affordable to all. However, an installment cash advance loan comes with greater repayment flexibility. It can be repaid through a number of scheduled payments. The standard term is 12 bi-weekly payments, not to exceed 180 days. You have the right to rescind your loan within 3 days of signing your loan contracts by sending an email to


How to calculate an installment loan payment?

Determining short term loan fees and Annual Percentage Rate (APR) are easy. Our loan fee depends on the length and the number of agreed schedule of payments. If you pay early, your fee will be adjusted accordingly based on your truncated payment schedule. For additional details, refer to our FAQ

Complete disclosures of APR, fees, and payment terms are provided within the Loan Agreement per TILA (TRUTH-IN-LENDING DISCLOSURES).

Sample loan:  To know how our interest rates and fees function for standard fast cash online loan of $200

Sample Repayment Schedule for a $200 Loan
Number of Payments Amount of Payments When Payments Are Due
1 $74.00 January 2, 2020
1 $69.79 January 17, 2020
1 $65.60 February 1, 2020
1 $61.39 February 17, 2020
1 $57.19 March 3, 2020
1 $53.00 March 20, 2020
1 $48.79 April 4, 2020
1 $44.59 April 20, 2020
1 $40.39 May 4, 2020
1 $36.19 May 19, 2020
1 $78.00 June 3, 2020

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Applying Does NOT Affect Your Credit Score

CashAmericaToday is registered with the Utah Department of Financial Institutions to offer consumer credit services. When you submit your application to us online, it will be processed just as if you had submitted it in person, establishing Utah as the jurisdiction for the negotiation, execution, and fulfillment of all applications and agreements. If your application is approved, the funds will be disbursed from our account in Utah. Please note that Utah's laws governing consumer loan agreements may differ from those of your home state. It is the applicant's responsibility to adhere to all statutory requirements related to obtaining internet loans in their state of residence. Please be aware that this service may or may not be available in your specific state, and loans are not offered in the state of Michigan.

CashAmericaToday is a brand of Silver Financial Capital. The purpose is to meet your short-term borrowing needs, not long-term financial needs. Please note that this is an expensive form of borrowing. The loans and lines of credit may be used for whatever reason you need, like unexpected emergencies, car repairs, medical bills, or travel expenses. In addition, alternative forms of financing like credit card cash advances, personal loans, and home equity lines of credit might be more affordable and better suited to your needs.

CashAmericaToday does not perform any credit checks through the three major credit bureaus Experian, Equifax or TransUnion. We collect required information regarding debtors' creditworthiness from a third party source.

Approval time depends on the authenticity and verifiability of your documents. You might be requested to provide further information if required. Note that we do not approve all the loan requests. On the basis of state laws and your repayment ability, the terms and rates may vary. Any loan requested on Friday after 6:00 PM CST will be processed on the next business day, usually Monday- unless it is a holiday.

Should you have any doubts, please call our customer support at (855) 840-5688, Monday- Friday: 7:00 AM to 4:30 PM (CST) or email to

* I have read and understand the Terms and Conditions & Privacy Policy of this loan. All loans financed by CashAmericaToday