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Reasons to Consider an Installment Loan

During these uncertain economic times, many people could use some financial assistance. This includes situations such as emergencies, home improvement, consolidating debt or even that dream family vacation. A low interest installment loan is a safe and reliable way to have this needs met. At CashloanToday, we specialize in matching people to the installment loan that's right for them.

Compared to other loan options, our lender network offers greater flexibility with how much a person can borrow, plus the opportunity to be qualified for as much as $35,000. We love helping our customers!

Simple and Secure Online Loans

Searching for a loan can often be a daunting and confusing task, especially given the wide array of available options. This is why we created CashloanToday. Our service has been designed and optimized with the customer in mind. We work hard to offer you the most innovative and user friendly experience possible.

Given that each individual lender is looking for a particular type of customer, many people end up getting turned down multiple times for any number of reasons – sometimes as little as living in the wrong state. What makes CashloanToday unique is that we have assembled the single largest network of responsible installment loan lenders available anywhere.

Our proprietary technology is crafted to efficiently and quickly evaluate your loan request, and match it to the lender best suited for your specific situation. This means that by submitting a loan request on CashloanToday you have the highest chance of getting approved for the loan you desire.

With our simple three-step application, it has never been easier to find out if you qualify for the help you need, and enjoy financial security. If you have any questions, our in-house customer support team is standing by and ready to help.

To begin the process of getting your installment loan, please visit our Get Started page.

APR – Interest Rates and Repayment Explained

The annual percentage rate (APR) is the annualized interest rate that you are charged on your installment loan. CashloanToday is not a lending operation and doesn't provide loans, but it does refer consumers to reputable professional lenders who can provide quick and convenient loan assistance. We don't charge fees for this service. CashloanToday does not have the ability tell you what the exact APR that your lender will charge is going to be. Annual percentage rates can vary based on not only the information that you supply in your initial loan request, but the information that your lender supplies to you as well.

Your lender will give you all details on the annual percentage rate, cash loan finance charges and other terms once you are redirected to the loan agreement during the process of requesting a installment loan. If you should require help with any CashloanToday–related services, you can contact us at your convenience.

The APR associated with installment loans can generally range from 6% to 36% percent depending on how it is calculated as well as other variables including any incurred fees (nonpayment, late payment charges, etc.), the term of the loan, and loan renewal options.

Example of a Installment Loan APR Range

APR Amount Period Monthly Total Paid
6% $4,000 24 mo $177.28 $4,254.78
15% $4,000 24 mo $193.95 $4,654.72
25% $4,000 24 mo $213.49 $5,123.67
36% $4,000 24 mo $236.19 $5,668.55

Important Points to Consider

CashloanToday is only partnered with professional lenders who provide potential borrowers with sufficiently detailed information concerning loan terms and conditions prior to their accepting any installment loan offer. We recommend that you closely view the terms of any loan offer you get. To get more details on these considerations you can view the Lending Policy and Rates & Fees sections of our website.

Financial Implications (Interest And Finance Charges)

If you get approved for a installment loan, the lender will show you the exact fees and interest rate associated with the loan before you formally agree to their offer. As mentioned earlier, CashloanToday is not a lending operation, so it therefore is unable to tell you what the exact fees and interest attached to your loan offer will be. Please know that you are never under obligation to accept the loan terms that a lender gives you.

Representative Example

"If you receive a $5,000 36-month loan at an interest rate of 6.03% with a 1.11% origination fee of $55.50, you will receive a loan amount of $4,944.50 and will make 36 monthly payments of approximately $152.18 at a 6.78% APR."

"In the case of a $15,000 60-month loan at an interest rate of 7.90% with a 3.00% origination fee of $450.00, you will receive a loan amount of $14,550.00 and will make 60 monthly payments of approximately $303.43 at a 9.20% APR."

Implications Of Non-payment

Accepting the terms and conditions for a installment loan offer essentially means that you agree to repay the loan with interest in the time specified in your loan agreement. If you aren't able to repay your loan in full or should you make a late payment, it is likely that supplemental charges could apply. CashloanToday does not have the ability to predict what charges you will incur in the event of nonpayment, late payment or partial payment. In addition, we have no control or knowledge of the loan details between you and your lender.

Make it a point to closely look at the partial payment, late payment and nonpayment policies that are detailed in your loan documents. The policy of CashloanToday is to partner only with reputable, trustworthy lenders who pursue collections of past-due loan accounts always in a fair and reasonable manner.

Potential Impact To Credit Score

It is important for a borrower to understand that being late on a payment, missing a payment or rolling over a payment will all negatively impact their credit score. Your credit score is a numerical expression of your credit worthiness based on an analysis of your credit files. A credit score is primarily based on credit report information typically sourced from credit bureaus. Failing to pay on time will negatively affect this score and make it harder for you to do things like take out a credit card or get a loan. While less than perfect credit will not necessarily prevent you from being able to receive a loan, all loans are subject to credit approval. CashloanToday may do a "soft pull" of your credit information, which will not impact your credit score. Further, the lender that you are matched with may run a credit check with one or more credit agency. If you have had many credit checks in a given period of time, it is possible that this check may negatively affect your credit score.

Collection Practices

As previously stated, CashloanToday is not a lending operation, and we do not get involved in the process of debt collection. As part of the loan documents your lender will provide to you, you will find detailed information concerning their specific debt collection practices. If you are unsure in any way of what those collection practices entail, we suggest that you explore that issue with the lender. At CashloanToday we are proud of our policy of only working with lenders who pursue delinquent accounts in a manner that is fair and reasonable.

Loan Renewal Policies

Prior to accepting a particular installment loan offer, you will be presented with various loan renewal options by your lender. Carefully look through the lender's loan renewal policy before you electronically sign loan documents of any type. Be aware of the fact that state regulations determine lenders' loan renewal policies to a significant extent.

Installment loans should not be used as a long-term financial solution. At CashloanToday, we always encourage borrowers to repay their loan fully and by the time it is due so they can avoid fees such as late penalties and nonpayment penalties. If you think that you may experience difficulty paying back a installment loan after borrowing it, CashloanToday advises you to closely examine different loan alternatives before you take the step of applying for loan assistance through us.

© 2015 CashloanToday All Rights Reserved.

Customer notice: CashloanToday has lenders offering online loans ranging generally from $500 to $35,000. These loans are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. You will not be charged any fees to use CashloanToday’s services.

Legal Disclaimer: CashloanToday’s Terms of Use and the CashloanToday Privacy Policy apply to the use of this website and its services. CashloanToday matches borrowers with lenders and thus the specific terms and conditions of the specific lender will apply to any loan a borrower takes out. Any display of APR, loan amounts, interest or other loan details are only estimations. In reality these amounts will vary by lender and by borrower. Lending decisions are based on many factors, including but not limited to credit history, employment history, and loan repayment history. Please note that some lenders may perform credit checks as part of their credit transaction approval process. You are under no obligation to use CashloanToday's service to initiate contact, or apply for credit or any loan product with any service provider or lender.

THE OWNERS AND OPERATORS OF THIS WEBSITE ARE NOT LENDERS, they do not broker loans and they do not make any short term cash loans or make any credit decisions. CashloanToday simply helps borrowers find lenders for installment loans. CashloanToday aims to inform users of possible lenders who may be able to satisfy the needs of a particular consumer. Nothing on this website is an offer or a solicitation to lend. Any information you submit to this site will be provided to a lender. The operator of this website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product.

Availability: Residents of some states may not be eligible for a short term cash loan based upon lender requirements. Our company does not guarantee that completing an inquiry form will result in you being matched with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender.