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CashForTheCold.com works with both long and short-term lenders. CashForTheCold.com connects visitors to lenders capable of providing the cash needed to meet an immediate short-term cash flow problem and isn't a solution for long term financial problems for which long term financing may be more appropriate. This service does not constitute an offer or solicitation for short-term loans in every state. This service may or may not be available in your particular state. The states in which this service is available may change from time to time without notice.
THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not make credit decisions, and does not charge any application fees. This Website does not constitute an offer or solicitation to lend. This Website provides a service wherein we submit the information you provide to one or more lenders in/and attempt to connect you with a lender. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. Providing your information on this Website does not guarantee that you will be connected with a lender or approved for a loan. The lender may perform a credit check or otherwise verify the information you provide. Not all lending partners offer loans up to $35,000 and not all lenders can provide you with the loan amount you requested. Loan amounts are determined by the lender based on individual creditworthiness. All financial terms of the loan will be provided to you by the lender. Loan terms, conditions, and policies vary by lender, state, and applicant qualifications. For details, questions, or concerns regarding your loan please contact your lender directly. In some situations, faxing or emailing of documents may be required. Cash transfer times may vary between lenders and may depend on your individual financial institution. Loan repayment periods could vary by lender and location.
Borrow Responsibly - A short-term loan is ideally used for short-term financial needs only, not as a long-term financial solution. Late or missed loan payments may be subject to increased fees and interest rates. Lenders may use collection services for nonpayment of loans. CashForTheCold.com recommends seeking credit counseling if you have financial difficulties.
Please note that, while certain lenders may offer up to 60 months to repay a loan, a 3 year repayment period is atypical. Most borrowers can expect a shorter repayment period, it is typical for borrowers to be referred to short-term lending options.
CashForTheCold.com encourages you to confirm your loan repayment period with your lender prior to finalizing the loan.
Consumer Advisory: Please beware of overseas call centers posing as this brand or other online brands that ask for an advance payment for a loan. Our lenders will never ask for advanced payments. NEVER pay a lender in advance for a loan. Most applicants will not meet the lending criteria to qualify for a loan.
RATES & FEES
CashForTheCold.com delivers both short-term cash loans and installment loans so quickly that it almost hard to believe. But what is really important is that you make your loan disappear on its repayment date.
To ensure you can pay back your loan in full and on time, it's important to understand the rates and fees associated with your (installment loan). Getting to know the final cost of borrowing can help you budget your money and spend cautiously.
We are not a lender and do not provide short-term loans. We provide a loan finding service by connecting Consumers looking for loans with lenders who may provide such loans. Only your lender can provide you with information about your specific loan terms including APR, fees, charges, and repayment period. Ask your lender for their current rates, fees, charges, and policies for non-payment.
The Annual Percentage Rate, or APR, refers to the total cost of a loan on a yearly basis. It takes into consideration the interest rate, the costs and fees associated with the loan as well as the repayment terms. If a lender had no fees whatsoever other than the interest charged on the loan, the APR and the interest rate would be the same. Because APR is an annual calculation, it appears very high when applied to short-term loans that are intended to be repaid over a number of weeks or a few months.
Representative APRs associated with short-term loans from lenders participating in our network typically range from 260.71% to 1825.00%. Personals loans may vary from 11.99% APRS to 35.00% APRS . APRs vary according to the information supplied in your loan request and each lender’s policies, rates, and terms.
Lenders are required by law to disclose the APR to consumers before a consumer loan can be issued. All financial terms of your loan, including APR, fees, charges, and repayment period, will be provided to you by your lender and may vary by lender, state, and your individual creditworthiness.
Good News! Borrowers may qualify for installment loans and personal loans at lesser rates than short-term loans. Most consumers who have applied through our service have only qualified for a short-term loan product.
Penalties Based on Late Payments or Non-Payment
Late payment or non-payment of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions and you should review your lender ‘s policies for further information. Lenders understand that unforeseen circumstances may come up. Unexpected life changes such as unemployment or illness can make meeting payment schedules extremely challenging. Your lender may be able to work with you through this difficult time. Contact your lender regarding your situation; they may be able to work with you to create a new repayment schedule or an option to renew or refinance your loan. Every lender has their own renewal or refinancing policy, and these policies differ from lender to lender. You should review your lender‘s renewal policy.