Loan Rates & Fees
Our service is free. Your loan's cost is set by your lender — here's exactly how that works.
What using CashLoan4U costs you
APR range in our network
Annual Percentage Rates (APRs) offered by lenders in our network range from 5.99% to 35.99% for qualified consumers, with repayment terms from 61 days to 72 months. Your exact APR depends on your state, income, credit profile, loan amount, and term, and is always disclosed by your lender before you accept — as required by the federal Truth in Lending Act.
Representative examples
| Loan amount | APR | Term | Monthly payment | Total repaid |
|---|---|---|---|---|
| $2,000 | 27.99% | 24 months | $109.77 | $2,634.40 |
| $5,000 | 21.99% | 36 months | $190.93 | $6,873.35 |
| $10,000 | 17.99% | 48 months | $293.70 | $14,097.49 |
| $20,000 | 12.99% | 60 months | $454.96 | $27,297.55 |
| $35,000 | 9.99% | 60 months | $743.47 | $44,608.46 |
Examples are illustrative. Actual offers vary by lender and applicant.
Fees your lender may charge
- Origination fees: some lenders charge a fee deducted from or added to the loan; it is included in the APR your lender discloses.
- Late payment fees: if you miss a payment, your lender may charge a late fee and additional interest, as described in your loan agreement.
- Non-sufficient funds (NSF) fees: if a scheduled payment fails, your lender and your bank may each charge a fee.
- Prepayment: many lenders in our network do not charge prepayment penalties — check your agreement; paying early usually reduces total interest.
What happens if you pay late or can't pay
Contact your lender immediately — most offer extensions or repayment plans. Late or missed payments may result in extra fees and interest, may be reported to credit bureaus and affect your credit score, and unpaid balances may be pursued through the collection practices described in your loan agreement. We do not collect debts and are not involved in collection.
Borrow responsibly
Short-term loans suit short-term needs — a repair, a bill, a gap until payday. They are not a long-term financial solution. Only borrow what you can afford to repay on your schedule, and if you're facing ongoing debt difficulty, consider reaching out to a non-profit credit counseling service.