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Rates & Fees

Get Fast Cash USA 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..

This website is an online service that works to put in touch 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.

The service works for you for free. We do not bring 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. That's just how it has to be.

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 not fall in an unpleasant financial situation.

Pay particular attention to non-payments that may result in additional fees, negative impact on your credit score, and even collection activities. In case you have no funds to repay the debt on a due date, immediately contact your lender and discuss ways how to handle the situation.

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.

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.

Disclosures described above are for information purposes only. Do not regard them as legal advice.

Annual Percentage Rate (APR)

Annual Percentage Rate (APR) represents the annualized interest rate that you are charged for borrowing. It is the combination of the nominal interest rate and some additional costs such as fees involved in obtaining a loan. Our lenders offer APRs for personal loans from 4.99% to 450%, APRs for cash advance loans from 200% to 1386%, and APRs for installment loans from 6.63% to 225%. Since getfastcashus.com is not involved in the lending process, we can not deliver any specifics about the APR you will be offered. The APR depends solely on your lender’s decision, based on various factors including your credit score, credit history, income, and some other information you supply in your request. For more information regarding the APR contact your lender.

Representative Example of APR

If you borrow $2,500 over a term of 1 year with an APR of 10% and a fee of 3%, you will pay $219,79 each month. The total amount payable will be of $2,637, with total interest of $137,48. Financial Implications (Interest & Finance Charges)

fees and interest rate will be applied to the loan you will be offered. It is your lender that will provide all the necessary information about the cost of the loan before you get approved. It is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. getfastcashus.com service is free of charge, and you are under no obligation to accept the terms that the lender offers you.

Implications of Non-Payment

When you accept the terms and conditions for a loan, you enter into commitment to repay the amount you owe according to the specific schedule outlined in the documents. In the event of non-payment, additional charges may be applied. Late payment penalties vary by lender, and as getfastcashus.com is not involved in the lending process, we cannot supply any information on the fees you will incur if any default occurs. For more information, please contact the lender directly if you have any issues relating to your loan repayment.

Potential Impact to Credit Score

getfastcashus.com is not a lender and we do not check your credit standing and credit capacity. When you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. However, some lenders may carry out a credit check to ascertain your eligibility for a loan. Most likely they will turn to any of the three major credit bureaus (Transunion, Experian and Equifax) that is in most cases considered a hard inquiry and may affect your credit score.

Collection Practices

getfastcashus.com is not a lender. As such, we are not involved in any debt collection practices and cannot make you aware of any of them. Your lender will specify their collection practices in your loan agreement. If you have any questions regarding the issue, please, address them to your lender. For more information visit our page for Responsible Lending.

Loan Renewal Policies

Loan renewal options are not always available. It is therefore advisable to clarify whether the option is available with your lender. Be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents.