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Financial Literacy
Understand what fees are applicable on direct lender installment loans by CashAmericaToday.
We do not charge any upfront fee for processing your online loan.
We do not charge any data verification fee in order to approve you a loan.
30% on every $100 borrowed
We do not charge a recurring monthly service fee to maintain your account or process payments.
We are not a predatory loan lender. We do not penalize you for paying off your online installment loan early.
There is no distinct online loan application fee (usually non-refundable). We do not charge you, even in case of your installment loan application denial.
If you fail to make your payment by the scheduled date, a certain percentage is charged. However, it can be waived if we make a mistake setting up the payments.
If you do not have sufficient funds in your account on payment due date, a returned payment fee or NSF fee of $30 is charged. However, you are requested to contact us at least two to three business days before the payment due date.
We do not charge any transaction fee that comes with ACH authorization while electronically depositing or withdrawing funds from your account.
Below is an example of how installment loan payments are structured over time with fixed due dates and manageable amounts.
The cost of your credit as a yearly rate.
The dollar amount the credit will cost you.
The amount of credit provided to you or on your behalf.
The amount you will have paid after you have made all payments as scheduled.
Your payment schedule (the "Payment Schedule") will be:
Prepayment: If you pay off early, you will not have to pay a penalty and you will not be entitled to a refund of part of the finance charge.
Security: You are giving a security interest in the ECheck/ACH Authorization.
See your contract document for any additional information about nonpayment, default, any required repayment in full before the schedule date, and prepayment refunds and penalties.
Itemization of Amount Financed: Amount given to you directly: $400.00. Amount paid on Loan No. N/A with us: N/A. (e) means estimated.
Apply for $100 – $1,500 with no hidden fees. Know your exact cost before you borrow.
An Annual Percentage Rate (APR) is the total yearly cost of borrowing cash, including your loan’s interest rate and finance charges. It is expressed as a single percentage.
A fixed APR (Annual Percentage Rate) stays constant throughout the loan term, while a variable APR follows market trends and can shift up or down matching the prime rate.
The loan fee depends on the length and number of payments; in case you repay early, the fee will be adjusted based on your shortened payment schedule. We do not charge more than what the law allows. Use our loan calculator for an estimate.
No. All the applicable and nonapplicable fee elements are clearly mentioned in the Rates and Terms section.
Yes. You can rescind your online loan within 3 days (72 hours) of taking out the loan. For example, if you receive the loan on Monday, you have time until Thursday at 6:00 PM EST to return it without any penalty. For more information and guidance, contact our support team.
No, we do not accept extra payments between your scheduled due dates. However, you can schedule an extra payment on your actual due date in $50 increments, which will go directly toward reducing your principal balance.
Apply for $100 – $1,500 with clear terms, no hidden fees, and flexible repayment.