Disclaimer: 85cashnow.com is an independent matching service, not an offer or solicitation to lend. We do not make credit decisions or act as a representative, broker, or agent for any lender. Participating lenders offer loans from $200 up to $5,000, though amounts vary and availability depends on your state of residence. Submitting a request does not guarantee loan approval or an offer. Funds transfer times and specific loan terms depend entirely on your matched lender. If you have any inquiries regarding your loan agreement, please reach out to your lender directly. Credit checks may be conducted through major reporting bureaus including Experian, Equifax, and TransUnion.
1041 4th Avenue, Suite 302, Oakland, CA 94606
Annual Percentage Rate (APR)
At 85cashnow.com, offered APR rates typically range from a minimum of 4.95% to a maximum of 35.95%. The specific rate depends on your personal financial standing, credit history, and income level. Full disclosure of terms and applicable APR is provided by lenders before loan agreement finalization.
Loan Term (Repayment Period)
Minimum repayment term: 65 days
Maximum repayment term: 84 months
Representative Example of APR
For instance, if you borrow $2,500 over a 1-year term with an APR of 10% and a 3% fee, your monthly payment will be approximately $219.79. The total payable amount would be $2,637, with total interest amounting to $137.48.
Financial Implications & Fees
We are not a lender and cannot predict exact finance charges or interest rates. Your lender will supply all necessary details regarding loan costs. Reviewing the loan agreement carefully before accepting is strongly advised.
Implications of Non-Payment
Accepting loan terms creates a binding repayment commitment. Defaulting or failing to make timely payments can result in late penalties and additional charges determined solely by your lender.
Potential Impact on Credit Score
Submitting an initial request on our platform involves a soft credit inquiry, which does not impact your credit score. However, participating lenders may perform a hard credit check when finalizing your loan offer.
© 2026 85cashnow.com. All rights reserved.