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Rates & Fees

Submitting your inquiry for a loan at 6cash.com incurs absolutely no cost. 6cash.com is not a lender and does not provide lending services directly to consumers. Based on the information you submit, 6cash.com searches its database housing its vast network of lenders to pair you with the lender and loan that may be suited to your needs so that you can submit an request directly to the lender.

The Truth in Lending Act requires full disclosure of all loan fees and interest rates that borrowers may incur. All fees and rate information should be disclosed to you by your lender at the time of approval. Upon the conclusion of lender approval, most lenders will direct you to an e-signature page. This page is provided to you by the lender to which you were matched.

Full Disclosure of Terms

The lender provides documents that contain all fees and rate information pertaining to the loan being offered to you by the lender. Please review the fee and rate information provided to you by your lender at this time thoroughly and completely before agreeing to the terms of the loan. You are under no obligation to accept these terms. If you decide the loan terms detailed in the lender contract are acceptable and wish to proceed with the loan process, e-sign the page and await transfer of your funds.

The loan fees and interest rates are determined solely by your lender, with specific amounts determined based upon the information you submitted to the lender. 6cash.com has no control or knowledge of the loan details between you and your lender. You are under no obligation to continue with the request process if you find a particular lender’s loan terms unsuitable.

Late Payment Policy

Cash advance lenders have varying policies regarding late payments. Review the late payment policy detailed in the loan documents provided to you by your lender before appending your e-signature, and thereby agreeing to the loan terms. All lenders, however, must abide by applicable laws, rules, and regulations regarding late payment fees. Select your state from the list below to review the laws and regulations governing late payments by a particular state.

Non-payment Policy

Additional fees or charges may apply to you in the event that you are unable to repay your loan. 6cash.com uses commercially reasonable efforts to work only with reputable lenders dedicated to pursuing collections of past due accounts with conduct that is fair and reasonable. Find your state in the list down below to review the legal repercussions applicable to you in the case of non-payment.

Loan Renewal Policy

Loan renewal policies are largely governed by state regulatory legislation. In states where rollovers, or repayment term extensions, are allowed, interest rates, along with any late fees that may be assessed, can add a substantial dollar amount to the end price of your loan. Find your state’s laws and regulations governing rollovers and extensions from among the list down below. Read the lender’s terms in full regarding loan renewal options before signing the loan contract.

State Rate & Fee Regulations

There are some states that do not have any specific lending statutory provisions pertaining to personal loans. And they do not require that lenders comply with the interest rates offered by: Maryland, New Jersey, Connecticut, Massachusetts, West Virginia, Vermont and Pennsylvania. North Carolina and Arizona are allowed preexisting cash loans statues and laws to sunset.

Important Disclosures. Please Read Carefully.

This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where 6Cash.com does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. 6Cash.com is not a lender and does not make loan or credit decisions. 6Cash.com connects interested persons with a lender from its network of approved lenders. 6Cash.com does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. 6Cash.com receives compensation from its lenders, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, 6Cash.com’s service is always free to you.

6Cash.com does not pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information to 6Cash.com, you are giving lenders in 6Cash.com’s network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus such as Experian, Equifax and Trans Union and from alternative credit bureaus such as Teletrack or DP Bureau.

Lender’s Disclosure of Terms.

The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender’s internal policies, underwriting criteria and applicable law. 6Cash.com has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments. Lenders are required to follow the Fair Debt Collections Practices Act and related state law when collecting money from you.