Financial Implications (Interest & Finance Charges)

Cash Advantage functions as a loan matching service, not a lender, and therefore, we cannot forecast the fees and interest rates that may be applied to any loan you’re offered. Your lender will provide all the essential information concerning the costs associated with the loan they propose to offer you. It is your responsibility to thoroughly review the loan agreement and accept the offer only if you agree to all terms. Cash Advantage does not impose any fees for its loan matching service, and you are not obligated to accept the terms presented by the lender.

Late Or Non-Payment Implications

By agreeing to the terms and conditions for a personal loan, you are essentially committing to repay the loan including both interest and within the specified timeframe outlined in the loan agreement. Typically, failure to repay the loan in full or making late payments can result in additional charges. Cash Advantage.com cannot predict or estimate the supplementary charges that may be incurred in cases of late, partial, or non-payment. Additionally, Cash Advantage.com has no control over or knowledge of any loan agreements or specifics between you and your lender.

Please ensure to thoroughly review the late, partial, and non-payment policies provided by your lender in your loan agreement. Cash Advantage.com diligently collaborates with reputable and trustworthy lenders who pursue the collection of past-due loan accounts in a fair and reasonable manner.

Potential Impact to Credit Score

Our lenders may conduct credit checks to assess your creditworthiness, credit standing, and/or credit capacity. By submitting your request, you consent to our lenders verifying your personal information and checking your credit. It’s important to note that missing a payment or making a late payment can have adverse effects on your credit score.

Collection Practices

Cash Advantage.com does not operate as a lender, and therefore, we are not involved in the debt collection process. The lender, as part of the lending agreement provided to you, will disclose their debt collection practices. If you have any questions regarding collections, please reach out to the lender directly for comprehensive details. Cash Advantage.com exclusively collaborates with reputable lenders who adhere to fair collection practices.

Legal Disclaimer: Cash Advantage.com connects borrowers with lenders or lending partners, and therefore, the specific terms and conditions of the lender or lending partner will apply to any loan obtained by a borrower. We receive compensation from these lenders or lending partners for facilitating the connection, and the compensation received may impact the offers presented to you. Any displayed APR, loan amounts, interest rates, or other loan details are estimations only, and actual amounts may vary depending on the lender or lending partner and the borrower’s circumstances. Please be aware that some lenders or lending partners may conduct credit checks as part of their approval process. It’s important to note that the lender or lending partner you are connected with may not provide the most favorable terms, so borrowers should always compare all available options before making a decision. Additionally, you may be connected with a tribal lender, whose rates and fees may be higher than those of state-licensed lenders and are subject to federal and tribal laws rather than state laws. THE OWNERS AND OPERATORS OF THIS WEBSITE ARE NOT LENDERS; they do not act as loan brokers or make loan or credit decisions. This website does not constitute an offer or solicitation to lend. Any information submitted to this site will be shared with a lender or lending partner. The operator of this website is not an agent, representative, or broker of any lender or lending partner and does not endorse or charge for any services or products.

Availability: Every state has its own regulations governing personal loan lenders. Therefore, your loan amount, APR, and repayment term may vary depending on factors such as your creditworthiness, state of residence, and the specific lender or lending partner you choose.

Material Disclosure: The operator of this website is not a lender, loan broker, or agent for any lender or loan broker. This website does not constitute an offer of credit nor is it a solicitation to lend. We are not affiliated with any specific lender. Instead, we operate as an advertising referral service for lenders who may offer loans ranging from $250 to $3000. There is no fee to use our services. When you submit a loan request on this website, it will be shared with one or more lenders. However, there is no guarantee that you will be connected with a lender, that your loan request will be approved, or that you will be offered the loan amount you requested. Lenders may conduct a credit check to assess your creditworthiness or verify your information. Any compensation we receive is paid by lenders and other advertising partners solely for the advertising services we provide. It’s important to note that short-term, small-dollar loans should not be relied upon as a long-term solution to financial difficulties.

Loan Renewal Policies

Loan renewal options may not always be available, so it’s recommended to verify with your lender whether this option is offered. Prior to signing any documents, it’s crucial to thoroughly read and comprehend the renewal policy outlined in the agreement.

Footnotes

(*) The average time taken to complete the online loan offer process, submit your details, and receive a loan offer decision if approved is approximately three minutes.

(**) Once approved, your cash could be sent within 15 minutes. However, the actual time it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

(***) Although some providers may advertise rates ranging from 4.95% up to 35.99% APR, it’s important to note that rates as low as 4.95% are typically available only to specific customers. Additionally, the repayment terms mentioned are applicable to closed-end loan products and may not reflect all loan products offered within our network.