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Annual Percentage Rate (APR) Disclosure & Range (Qualified Customers)
Annual Percentage Rate (APR) refers to the yearly interest charged to borrowers. It’s expressed as a percentage and represents the actual yearly cost of funds over the loan term, including any fees or additional costs. This allows consumers to compare the bottom-line cost among lenders, credit cards, or investment products.
79Cash Cannot Guarantee APR: As we’re not a lender, APR can generally range between 5.99% up to 35.99%. Loan products typically have a minimum repayment term of 61 days and a maximum of 72 months.
Always Read Loan Agreements: Before accepting a loan from our network lender, carefully review the loan agreement. The APR and repayment terms may differ from what’s listed on our site.
Representative Examples of APR, Total Loan Costs & Fees (Qualified Customers):
| Amount | Period | APR | Monthly Payment | Total Paid |
|---|---|---|---|---|
| $1,000 | 12 mo | 29.82% | $94.56 | $1,134.72 |
| $2,000 | 12 mo | 24% | $189.12 | $2,269.44 |
| $4,000 | 24 mo | 12% | $188.29 | $4,518.96 |
Financial Implications (Interest & Finance Charges):
79Cash cannot predict fees and interest rates on any loan you may be offered. Your lender will provide all details about associated costs. You are responsible for reviewing the loan agreement and accepting the offer only if you agree to all terms. 79Cash doesn’t charge for its service, and you are not obligated to accept the lender’s terms.
Late or Non-Payment Implications:
By accepting a personal loan’s terms and conditions, you agree to repay it with interest within the specified timeframe. Failure to repay in full or make a late payment can result in additional charges. 79Cash cannot predict or estimate these charges, nor does it control or have knowledge of your loan agreement details.
Carefully review the late, partial, and non-payment policies provided by your lender in their loan agreement. 79Cash strives to partner with lenders who pursue past-due loan collection in a fair and reasonable manner.
Potential Impact to Credit Score:
Our lenders may perform credit checks to assess your creditworthiness. By submitting your request, you agree to allow them to verify your personal information and check your credit. Missing or making late payments can negatively impact your credit score.
Collection Practices:
79Cash is not a lender and has no involvement in debt collection. The lender discloses their debt collection practices within the lending agreement. If you have collection questions, contact the lender for complete details. 79Cash only works with reputable lenders who use fair collection practices.
Legal Disclaimer:
79Cash connects borrowers with lenders or lending partners. The specific terms and conditions of the chosen lender will apply to any loan you take out. We receive compensation from these lenders or lending partners for connecting you with them, and this compensation may affect which offer you are presented with.
Displayed APRs, loan amounts, interest, and other loan details are estimations only. Actual amounts will vary by lender/partner and borrower. Some lenders/partners may perform credit checks. The lender/partner you connect with may not offer the best possible terms. Borrowers should always compare all available options before making any decisions. You may be connected with a tribal lender. Tribal lenders’ rates and fees may be higher than state-licensed lenders and are subject to federal and tribal laws, not state laws. Nothing on this website is an offer or a solicitation to lend. Any information you submit will be provided to a lender or lending partner.
79Cash does not take loan applications for lenders, does not broker or arrange loans, and is not acting as any lender’s agent to take loan applications.
Availability:
Each state has its own rules and regulations governing personal loan lenders. Your loan amount, APR, and repayment term will vary based on your creditworthiness, the lender’s location, and their underwriting and loan approval policies and practices.
Material Disclosure:
79Cash is an advertising referral service for lenders that may be able to offer loans between $250 and $3,000. There is no fee to use our services. Your loan request submitted on this website will be shared with one or more lenders. There is no guarantee that you will be connected with a lender, your loan request will be approved by a lender, or you will be offered the loan amount requested.