Rates & fees
CBW: Cash Advance & Loan App is not a lender. We connect you with independent third‑party lenders and lending partners who may offer loans. The rates, fees, and terms below describe typical ranges and education points. Your exact terms are determined by the lender and shown in the lender’s loan agreement and disclosures.
Loan amount
$100 – $5,000 (subject to eligibility and state availability).
Repayment terms
3 – 24 months depending on lender and product.
APR range
5.99% – 35.99% APR (Annual Percentage Rate).
Example payments (illustrative)
The examples below are provided for transparency and education. Actual payments vary by lender, APR, term, fees, and timing of payments. Examples assume a simple fixed payment schedule and do not include every possible fee a lender may charge.
| Loan amount | Term | APR | Estimated monthly payment | Estimated total paid |
|---|---|---|---|---|
| $500 | 6 months | 35.99% | ~$91 – $93 | ~$546 – $558 |
| $2,000 | 12 months | 19.99% | ~$184 – $186 | ~$2,208 – $2,232 |
| $5,000 | 24 months | 5.99% | ~$221 – $222 | ~$5,304 – $5,328 |
Tip: Always review the lender’s disclosures for the exact APR and finance charge calculation method.
Fees & charges (what to expect)
Lenders may charge fees depending on the product, your state, and your chosen payment method. Examples can include:
- Origination or administrative fees
- Late payment fees
- Returned payment / NSF fees
- Optional expedited funding or payment processing fees (where available)
Not all lenders charge the same fees. CBW: Cash Advance & Loan App does not set lender fees. If a fee applies, it must be disclosed by the lender before you accept the loan.
Understanding APR (and how to compare)
APR is a standardized way to express the cost of borrowing over a year. It may include interest and some fees, depending on the lender and applicable law. When comparing offers:
- Compare both the APR and the total of payments.
- Check whether any fees are added to the financed amount or paid upfront.
- Confirm the payment schedule (monthly vs bi‑weekly) and any autopay discounts.
- Review whether the loan has a prepayment penalty (many do not, but it varies).
If you have questions about how APR is calculated for a specific offer, ask the lender directly before you accept the loan.