Rate & Fees

Home / Rate & Fees

Rates and Fees

cashinsecond.com is not a lender or a loan broker. We do not make loan decisions. We are a loan connect system. We connect consumers who are looking for payday loans or small installment loans to lenders who may be able to help by offering a loan to qualified consumers.

If after registering on the cashinsecond.com website, you are connected with a lender, the lender will make you an offer which will include the loan amount, the fees and APR, as well as the terms of repayment. Please make yourself aware of all terms of the loan, including the consequences if you do not make the payment on time.

You are under no obligation to accept the terms of the loan if you do not wish to. You are only obligated once you have electronically “signed” for the loan.

Your repayment will be automatically deducted from your bank account on the pre-scheduled due date. If you do not repay the loan in full, including all fees and interest charges, there are consequences of which you should be aware before agreeing to the loan. If repayment will be a problem, do not accept the loan.

All questions regarding repayment and its consequences should be directed to your lender. We work with numerous lenders that each have their own sets of rules for their loans.

If you do not repay the loan, including fees, on time, typical actions taken by lenders include turning your account over to a collection agency, reporting to a credit score agency, an offer to renew, which will add additional fees and charges to your account balance, and/or legal action.

Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.

Contact your lender with any questions or problems with your loan.

cashinsecond.comdoes not charge consumers for its loan connecting services, so registering online is free!

Only a lender or lending partner can provide you with information on their rates and terms. This typically occurs shortly after your loan request is complete, and you are connected with a lender or lending partner. cashinsecond.com does not make credit decisions or determine rates and terms. Remember, you are under no obligation to accept the loan offer if the terms are not satisfactory for any reason.

Repayment

Repayment on personal loans is generally performed either monthly or bi-weekly, depending on your preferences or your lender’s or lending partner’s terms. You may be able to have funds withdrawn automatically from your bank account on the agreed-upon date. Be sure to read and fully understand all policies regarding repayment and what you will need to do as a borrower. Your loan cannot be conditioned upon repayment by electronic funds transfer or automatic withdrawal. Consult your lender or lending partner for more details.

Personal Loan Costs

The cost of a personal loan varies based on factors related to the requester, the state of residence the requester lives in, the lender or lending partner, and the repayment terms. Other factors include the loan amount, the loan period, and the specific interest rates used. Your credit score may also be taken into consideration.

Standard Personal Loan Terms

While specific terms of personal loans will vary depending on your state, lender or lending partner, and your specific circumstances, below is a general range of common terms:

  • Loan amount: $100 – $35,000
  • Lending period: 90 days – 72 months
  • Payment frequency: Once per month or twice per month
  • Min APR: 5.99%
  • Max APR: 35.99% (Note: APR will vary based on your credit score, repayment history, and other factors.)
  • Prepayment penalty: None

Personal Loan Examples

Loan Amount Period APR Monthly Payments Total Paid
$2000 12 mo 24% $189.12 $2,269.43
$4000 24 mo 12% $188.29 $4,519.05
$6000 36 mo 12% $199.29 $7,174.29

APR Disclosure: cashinsecond (the "website") is not an offer or solicitation to lend. The website only provides a service and is not an agent, representative, or broker of any lender and does not endorse or charge you for any loan or product. The website operators are not lenders, do not make loans of any type, and do not make credit decisions. The website collects personal information provided by you and forwards it to partners in our lender network and third-party networks of lenders. You are under no obligation to use this website or service to initiate, contact, nor apply for credit or any loan product with any service provider or lender. Loan amounts vary from $100 and $50,000 but not all lenders can provide up to $35,000. Providing your information on the website does not guarantee you will be approved for a loan or credit product. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required.Any of the above referenced suggestions are based on industry best practices and should be used for informational purposes only and not construed as legal advice. You should contact your attorney to obtain advice with respect to any particular issue or problem. Personal loans are meant to provide you with Personal financing to solve immediate cash needs and should not be considered a long-term solution. This service and lenders are not available in all states. Lenders may perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union or may perform alternative credit checks or consumer reports through alternative providers. By submitting your request, you acknowledge, agree, and authorise that (a) your information may be sent to lenders and/or third-party partners on your behalf, and (b) such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax to evaluate your creditworthiness. Read More
Advertiser Disclosure: This website provides a completely free service that connects consumers with third-party lenders and partners. Although the service is free for consumers, third-party lenders or partners may pay the website operator a referral fee for directing consumers to them. Read More
Important : We do not sell your personal information.