Americash Advanced – Rates and Fees

Please remember that AmericashAdvanced.net is not a lender and does not provide lending services directly to consumers. Submitting your application through AmericashAdvanced.net, incurs absolutely no cost. We are paid by the Participating Lenders or network of Participating Lenders to whom we referred you for each potential customer referral. Even if you turn down the loan or exit the process at any time, our service remains FREE of charge to you.

The Truth in Lending Act requires that the Participating Lender with whom you are matched disclose all loan fees and interest rates that you will incur if you accept the terms of the loan. Thus, your lender will provide to you before you are asked to sign the loan documents, a document that provides a full disclosure of all fees and rates pertaining to the loan being offered by the Participating Lender. Please review the fee and rate information provided to you thoroughly and completely before agreeing to the terms of the loan. You are under no obligation to accept these terms. If you decide the loan terms with the Participating Lender has given to you are acceptable, the lender will direct you as to how to e-sign for your loan. If you decide they are not acceptable, you may exit the process at any time with no penalties or payment of any type.

The loan fees and interest rates are determined solely by your lender, with specific amounts determined based upon the information you submitted. AmericashAdvanced.net has no bearing on the determination of these fee amounts and interest rates. You are under no obligation to continue with the loan process if you find these terms are unsuitable.

Participating Lender’s Interest rates:

The loan fees and interest rates are determined solely by the Participating Lender, with specific amounts determined based upon the information you submitted. AmericashAdvanced.net has no input on the amount of fees charged to your or the interest rate provided by the Participating Lender. Again, you are under no obligation to continue with the process if, at any time before signing the loan documents, you find the Participating Lender’s terms unacceptable.

Interest rates charged by the Participating Lender are generally higher than a traditional loan for a similar amount issued by a bank or credit institution. However, bank loan requirements and terms are often much more stringent and not available as quickly as an online loan. With our Participating Lenders, you usually receive your cash within 1 business day of signing the loan documents. You will never be charged any fees by AmericashAdvanced.net.

Actual loan rates are between $10 per $100 borrowed and $30 per $100 borrowed. An APR reflects the cost of a loan if kept out for a year, but these are not 1 year loans, and the actual loan rate reflects the actual cost of the loan. We will try to match you with a lender at the lowest possible rate. If you do not accept the loan rate as provided by the lender on the loan document, then by all means, do not electronically sign the loan document.

Our lenders may offer you a loan with an APR between 200.00% and 780.06%. If you are looking for a small amount loan with a short payoff period, your lender may only offer you loans with an APR in the high end of the range displayed.

Both our short term and longer term loans can end of being an expensive form of credit especially if not paid as agreed but paying off any loan sooner then agreed can significantly reduce the amount you would normally owe. Even the longer term loans offered should only be used only for immediate financial needs and not as a long-term financial solution. If you have credit difficulties, we recommend that you seek credit counseling or meet with a nonprofit financial counseling service in your community.

This APR notice is being provided to you pursuant to our terms of Service with Google. This notice is not required by any federal, state or local law. We are not a lender but will match you with a lender in our network and only your lender can provide you with information about your specific loan terms and APR. The amount borrowed, amount to be repaid and cost of the loan will be on the loan document but you can ask your lender for more detailed information about their current rates.

Late Payment Policy:

Each Participating Lenders has their own policies pertaining to late payments. The Participating Lender’s policy, including the additional charges you will incur, is detailed in the loan documents provided to you by your Participating Lender before you are requested to e-sign the loan. Once you have signed the Participating Lenders loan documents, you will be expected to understand and abide by the loan terms including the additional charges and/or interest if your repayment is late. If you are not able to make the payments timely, please contact your Participating Lending as soon as you are aware the loan will be late and work with them, but remember additional fees and interest may apply.

Failure to Pay / Non-Payment Policy:

Additional fees, and charges by The Lender may apply to you in the event that you do not repay your loan. Please remember that refusal or failure to pay may result in legal action against you by The Lender in an attempt to collect the loan amount, interest and costs of collections.

It’s important to remember that AmericashAdvanced.net is not a lender and does not provide lending services directly to consumers. However, non-payment of any loan will negativelly affect your credit score and therefore your ability to get credit in the future.

Loan Renewal Policy:

Loan renewal policies are largely governed by State statute. In states where rollovers or extensions are allowed, interest rates, and late fees may be added to the original loan amount and that can result in a substantial increase to the amount you will be required to payback. Again, be sure to read the Participating Lenders loan terms in carefully and thoroughly before signing the initial loan contract.