Rates & Fees

One of the core commitments at 85 Cash is absolute transparency. Our matching service is completely free for consumers. We do not charge any upfront fees to connect you with independent direct lenders in our network, and we maintain complete independence regarding what lenders charge.

Once you are successfully matched and approved by a lender, all applicable interest rates and fees will be fully disclosed directly to you. This practice is legally required under the Truth in Lending Act. You retain the right to review everything carefully before signing.

Complete Disclosure of Terms

Participating lenders provide a clear breakdown outlining every single term of the loan offer. This documentation includes detailed interest figures and any related charges. We always encourage users to read through these guidelines carefully before providing an electronic signature.

Late Payment Implications

Every lender maintains a specific policy concerning late repayments. Before you formally agree to any contract, you will be informed about potential late fees. State regulations heavily influence how penalties can be applied, so reviewing these details beforehand is essential.

Understanding Default and Non-Payment

Failing to fulfill your repayment schedule can lead to additional charges or legal collection steps as determined by the direct lender. We partner exclusively with entities that follow responsible industry guidelines, but you should always consult your specific agreement and state laws for exact details.

State Variations and Renewals

Loan renewal options and specific interest caps vary significantly depending on your state of residence. Certain states do not enforce standard statutory limits on specific short-term loan categories. Always check local guidelines to stay fully informed.