Disclaimer: 85cashnow.com is not an offer or solicitation to lend. We do not make any loan or credit decisions and are not representatives, brokers or agents of any lender. Participating lenders offer loans from $200 up to $5,000. Not all lenders can offer you amounts up to $5,000. Our service is not available in all states. Submission of a request through this website does not guarantee that you will receive a loan offer or an offer you’ll be satisfied with. Funds transfer time may vary depending on your lender and/or financial institution. If you have any questions about your loan, please contact your lеndеr directly. Credit checks may be performed with the three reporting credit bureaus: Experian, Equifax, and TransUnion. Submission of a request means you are authorizing the lenders to check your creditworthiness and your personal details.
This service is not a solicitation for loan products and does not constitute a loan offer for any loan products that are prohibited by state law. This service is void where prohibited.
State Availability: Not all lenders from our system operate in all US states. Residents of some US states may not be eligible for loan products in accordance with their legislation. By selecting your State at the start of our loan offer process, you shall be informed of any limitations regarding obtaining a loan if you reside in individual US states.
This website collects personal information and transfers it to its third-party partners.
The website contains links to third-party websites. Accessing them may result in a commission.
Please note that personal loans should not be treated as financial cure-it-all. If you have major budget difficulties, consult specialists first.
1041 4th Avenue, Suite 302, Oakland, CA 94606
annual percentage rate (apr)
here at 85cashnow.com we offer apr rates ranging from 4.95% minimum to 35.95% maximum. the apr you may be offered depends on different factors, including your personal situation and financial standing. by completing our loan offer form you shall receive details of the apr and full terms of any loan offered to you.
the actual interest rate you may be offered depends on several factors: your credit score, financial history, income, etc. contact your lender for more information about the apr you may receive and the terms of your loan agreement.
loan term (repayment period)
minimum : 65 days
maximum : 84 months
representative example of apr
if you borrow $2,500 over a term of 1 year with an apr of 10% and a fee of 3%, you will pay $219.79 each month.
the total amount payable will be $2,637, with a total interest of $137.48.
financial implications (interest & finance charges)
we are not a lender and we cannot predict what fees and interest rate will be applied to the loan you will
be offered. it is your lender that will provide all the necessary information about the cost of the loan.
it is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms.
our service is free of charge, and you are under no obligation to accept the terms that the lender offers you.
implications of non-payment
when you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe according to the specific schedule outlined in the documents.
in the event of non-payment, additional charges may be applied.
late payment penalties vary by lender, and as us is not involved in the lending process, we cannot supply any information on the fees you will incur if any default occurs.
for more information, please contact the lender directly if you have any issues relating to your loan repayment.
potential impact on credit score
we are not a lender and we do not check your credit standing and credit capacity.
when you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score.
however, some lenders may carry out a credit check to ascertain your eligibility for a loan.
most likely they will turn to any of the three major credit bureaus (transunion, experian, and equifax) that is in most cases considered a hard inquiry and may affect your credit score.
collection practices
we are not a lender.
as such, we are not involved in any debt collection practices and cannot make you aware of any of them.
your lender will specify their collection practices in your loan agreement.
if you have any questions regarding the issue, please, address them to your lender.
for more information visit our page for responsible lending. our itself isn’t involved in debt collection.
loan renewal policies
loan renewal options are not always available.
it is therefore advisable to clarify whether the option is available with your lender.
be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents.
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