Loan Information, Rates & Costs
Clear and transparent information about potential loan costs.
Flash Payday Cash is not a lender, does not make loans or credit decisions, and does not charge consumers any fees for our matching service. Because we are not a lender, we cannot provide you with the exact APR (Annual Percentage Rate) or loan terms that you may be offered.
APRs, fees, and terms are determined solely by the lender that reviews your information. Submitting a request through our site does not guarantee an offer or specific rates.
- Loan amounts: typically $100 – $5,000 (varies by state and lender)
- APR range: 5.99% – 35.99% (representative range for qualified customers)
- Repayment terms: minimum 61 days; multi-month installment options may be available
- No fees from Flash Payday Cash to submit a request
Representative Examples of Costs & APR
The table below provides representative examples only. Your exact offer will depend on your lender’s underwriting, your state's laws, and your individual financial profile.
| Loan Amount | Term | APR | Estimated Fee* | Monthly Payment | Total of Payments |
|---|---|---|---|---|---|
| $500 | 6 months | 24.99% | $35 | $89.50 | $537.00 |
| $1,000 | 12 months | 18.23% | $80 | $91.85 | $1,102.20 |
| $2,500 | 18 months | 26.99% | $200 | $170.50 | $3,069.00 |
| $5,000 | 24 months | 35.99% | $450 | $295.20 | $7,084.80 |
Full Disclosure of Terms
The lender you are matched with will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by state law) to refinance, renew or rollover your loan. Please read these documents carefully before electronically signing your loan agreement.
Late Payments, Non-Payment & Rollovers
If you fail to repay your loan on time, you may be subject to additional fees and interest charges as permitted by applicable state law. Lenders may also report your payment history to credit reporting agencies, which could negatively impact your credit score. Many states restrict or prohibit the renewing or rolling over of short-term loans. Make sure you understand your lender's policy and your state's laws regarding renewals.