Rates, Terms & State Licenses
Short-term credit costs more than a bank loan — so you deserve to see exactly how our pricing works, what we never charge, and how licensing protects you. Every specific number for your loan is disclosed in writing before you sign; this page explains what those numbers mean.
Pricing at a Glance
| Installment Loan | Cash Advance | Title-Secured Loan | |
|---|---|---|---|
| Amount | $500 – $5,000 | $200 – $1,000 | Up to $5,000 |
| Term | 3 – 12 months | Until next payday | 3 – 12 months |
| Pricing style | APR accruing over the term | One flat fee | APR accruing over the term |
| Repayment | Fixed scheduled payments | Single payment | Monthly installments |
| Prepayment penalty | None | None | None |
Representative example
A $1,000 installment loan repaid over 6 months at an APR of 189% would require 12 bi-weekly payments of $127.72, for a total repayment of $1,532.64. This example is for illustration only — your actual rate, payments, and total depend on your state, product, and application, and are disclosed in writing before you sign.
Fees We Never Charge — and the Ones That Only Exist If Triggered
Never charged
- Application fee — $0. Applying and checking your rate is always free.
- Prepayment penalty — $0. Pay off early any time and save on interest.
- Hidden charges — none. If a cost isn't in your signed agreement, it doesn't exist.
- Rate-check impact — none. Pre-qualification uses a soft inquiry only.
Only if triggered — per your agreement & state law
- Late payment fee. May apply if a scheduled payment is missed; the exact amount is stated in your agreement.
- Returned payment fee. May apply if your bank returns a payment unpaid.
- Credit reporting. Not a fee, but late or missed payments may be reported and can affect your credit.
- How to avoid all three: contact us before a due date you can't meet — early communication opens options.
How to Read Your Loan Disclosures (TILA)
Federal law — the Truth in Lending Act — requires every lender to disclose four key figures in a standard format before you sign. When your offer arrives, these are the boxes to read:
The one habit that protects you everywhere: compare loans by Total of Payments, not by monthly payment or advertised rate. It's the only number that can't hide anything.
State Licensing & Availability
Cash Store operates under applicable state lending licenses and, where required by state law, arranges loans through licensed third-party lenders. Licensing means a state regulator supervises how we lend: the rates we may charge, the disclosures you must receive, and the collection practices we're held to.
Because every state writes its own rules, product availability, amounts, rates, and terms differ by state — and residents of states where we are not licensed cannot be served. That's not fine print; it's the system working as intended.
Your state's exact disclosures
Select your state at the start of an application to see the specific products, maximum amounts, rates, fee schedules, and license information that apply where you live — shown in full before you commit to anything.
View My State's TermsWho's Watching Out for You
Your state regulator — typically the Department of Financial Institutions or Banking — licenses lenders and handles complaints about state-law violations.
The Consumer Financial Protection Bureau (CFPB) enforces federal consumer-credit law, publishes free borrower guides, and accepts complaints at consumerfinance.gov.
Active-duty military and dependents are covered by the Military Lending Act, which caps rates at 36% MAPR — below typical short-term pricing — so most short-term products can't be offered to covered borrowers. On-base financial counseling and military aid societies offer alternatives built for you.
If something about a loan — ours or anyone's — doesn't match what was disclosed, start with the lender, then your state regulator, then the CFPB. All three routes are free.
Borrow responsibly. Short-term loans are for one-time emergencies — not long-term needs or paying off other debt. Borrow only what you need, have a clear plan to repay, and compare lower-cost options first, like a biller payment plan, a credit union Payday Alternative Loan (PAL), or the free guides at consumerfinance.gov. If repaying ever gets hard, contact us early — working out a solution always beats a missed payment.
Rates & Licensing FAQ
How do I see my exact rate and fees?
Start an application. Before you sign anything, you'll receive written disclosures showing your APR or fee, payment amount, schedule, and the total you'll repay — specific to your state, product, and application. Checking uses a soft inquiry and doesn't obligate you to accept.
Why do rates vary by state?
Each state sets its own rules for small-dollar lending — maximum amounts, permitted fee structures, term limits, and rate caps all differ. The same product can therefore be priced differently across state lines, which is why your written disclosure, not any website example, is your real offer.
Is the representative example on this page my actual offer?
No — it's an illustration of how the math works. Your actual amount, rate, payment, and total repayment depend on your state and your application, and are disclosed in writing before you sign.
Where can I see your license information?
Licensing details for the state you live in are shown with your state's disclosures during the application and in your loan agreement, and are available on request. Where required by state law, loans are arranged through licensed third-party lenders.
Who regulates Cash Store?
Short-term lending is supervised by each state's financial regulator (typically the Department of Financial Institutions or Banking) and governed federally by laws like the Truth in Lending Act, enforced by the Consumer Financial Protection Bureau (CFPB).
The Only Rate That Matters Is Yours
Check what you qualify for in about 5 minutes — free, soft-check only, and every figure in writing before you decide.
Check My Rate