Loan Rates & Fees

Only a lender or lending partner can provide you with information on their rates and terms. This will typically happen shortly after your loan request is complete, and you are connected with a lender or lending partner. Cash does not make credit decisions or determine rates and terms. Remember, you are under no obligation to accept the loan offer if the terms are not satisfactory for whatever reason.

Repayment

Repayment on personal loans is generally performed either monthly or once every two weeks, depending either on your preferences or your lender's or lending partner's terms. You may be able to have funds withdrawn automatically from your bank account on the date agreed upon with your lender or lending partner. Be sure that you read and fully understand all policies regarding repayment and understand what you will have to do as a borrower to repay the loan. Your loan cannot be conditioned upon repayment by electronic funds transfer or automatic withdrawal. Consult your lender or lending partner for more details.

Personal Loan Costs

On the whole, the eventual cost of a personal loan will vary a great deal based on factors related to the requester, the state the requester lives in, the lender or lending partner, and the requester's repayment. Other factors that matter are the amount of money that is borrowed, the period of time of the loan and the specific interest rates used. Your credit score may also be taken into consideration.

Standard Personal Loan Terms

While specific terms of personal loans will vary depending on your state, your lender or lending partner and your specific circumstances, below is a general range of common terms.

  • Loan amount: $500 – $35,000
  • Lending period: 91 days - 72 months
  • Payment frequency: Once a month or twice a month
  • APR: Will vary based on your credit score, repayment history and other factors
  • Prepayment penalty: Varies by Lender

Representative Examples

The following are representative examples for illustration only. Your actual rate, payment, and total cost depend on the lender or lending partner, your credit profile, your state, and the loan terms you accept.

If you borrowed $4,500 over a 36-month period and the loan had a 5% origination fee ($225) deducted from the loan proceeds, you would receive $4,275 and your monthly repayments would be $162.66. Your total payback amount would be $5,855.76, which, including the 5% fee paid from the loan amount, means a total cost of borrowing of $1,580.76. Representative 21.73% APR.

If you borrowed $6,000 over a 48-month period and the loan had a 5% origination fee ($300) deducted from the loan proceeds, you would receive $5,700 and your monthly repayments would be $173.10. Your total payback amount would be $8,308.80, which, including the 5% fee paid from the loan amount, means a total cost of borrowing of $2,608.80. Representative 19.88% APR.

APRs range from 5.99% to 35.99% and repayment terms range from 91 days to 72 months, depending on the lender and your credit profile.