Rates and Fees
Important Disclosure
todaykash.com streamlines the loan process from start to finish, though we do not lend you money ourselves. This also means we do not make any decisions on your request, we cannot influence the lender's decision, and we are not privy to information regarding your fees, rates, APR, nonpayment rules, and renewal policy.
Our Role
This website is an online service that works to connect borrowers like you with reliable lenders that are ready to satisfy your current financial needs.
All details, such as fees, rates, APR, nonpayment rules, and renewal policy are specified in your loan agreement and depend on local regulations by state. On our part, we provide plenty of information that can help you better understand what a loan is, how it works, and how to use it wisely.
Our Service is Free
The service works for you for free. We do not pressure you to accept the first available offer, allowing you to decline unsuitable options for as long as you are completely satisfied with all terms and conditions. Our activity has a simple goal: meeting our clients' financial interests.
Understanding Your Loan Offer
Once your request is approved, the lender will make you an offer, including the fees and APR, as well as the terms of repayment and loan renewal options, if any. We encourage you to read the agreement carefully and weigh all pros and cons and be fully equipped with the necessary information to avoid falling into an unpleasant financial situation.
Key Terms to Understand
APR (Annual Percentage Rate)
The yearly cost of your loan expressed as a percentage. APR includes interest and any applicable fees. Rates vary by lender and state.
Fees & Charges
Lenders may charge origination fees, late payment fees, or other charges. All fees will be clearly disclosed in your loan agreement before you accept.
Repayment Terms
Repayment schedules vary by lender. Your loan agreement will specify due dates, payment amounts, and accepted payment methods.
Loan Renewal
Some lenders may offer loan renewal options. Each lender has its own renewal policy, so review it carefully before accepting any offer.
Non-Payment Consequences
Pay particular attention to non-payments that may result in:
- Additional fees and penalty charges
- Negative impact on your credit score
- Collection activities by the lender or a third-party collection agency
In case you have no funds to repay the debt on a due date, immediately contact your lender and discuss ways to handle the situation.
Loan Renewal Policy
Some lenders can offer to resort to a loan renewal. Remember that each lender has its own renewal policy, so we recommend that you peruse it before accepting the offer.
Have Questions?
If you need more information on your loan agreement, please address all your questions directly to your lender. As far as we are concerned, we are ready to answer only those questions that are relevant to our service.
You can reach us at [email protected].
Disclaimer: Disclosures described above are for information purposes only. Do not regard them as legal advice. All loan terms, fees, and conditions are determined by your lender and governed by applicable state and federal laws.