Realcashadvance.com (RCA) lending service is always free. RCA is not a lender and does not provide loans to consumers. Your payday lender will set the rate and fees applicable to your accommodation. Our service uses the information you submit to connect you with a lender promptly.
Full Disclosure of Terms The Truth in Lending Act requires that all lenders must provide a total disclosure of all interest rates and all other charges that borrowers may acquire. All of the rates and fee information needs to be revealed to you by your lender at the time of a loan offer. We highly advise that everyone reads and understands the information provided. Upon the conclusion of getting lender approval, almost all payday advance lenders will guide you to an e-signature page. The indicated page will display to you by the lender to which you did agree to the offer.
Late Payment Policy Companies may have different procedures in regards to late payments. Examine the lender's policies about paying late; the information should be detailed in the agreement. Please understand all information provided before confirming and accepting. All payday cash advance lenders must follow the appropriate regulations and laws in regards to late payment fees. Understand the rules and laws that govern the state in which you reside.
Non-payment Policy New charges may be added to the agreement if you are unable to pay your loan. RCA always tries to operate with honest lenders dedicated to using lawful, appropriate and rational means to attempt collections of past due accounts. Check the rules, regulations, and laws of the state that you reside in and review the legal consequences relevant to you in the event of non-payment.
Loan Renewal Policy State laws principally govern loan renewal procedures. In states where rollovers are permitted, additional interest charges and overdue fees can add considerably to your final loan amount; we recommend to avoid renewals if possible. Once again, find and read the laws of your state that is governing payday loan rollovers and extensions.
Please note that this information is not proposed to be legal advice, all info may not be accurate or up to date. If you have a particular question about the regulations or laws relevant to you, please contact your lender directly or discuss with a legal adviser. Some areas do not have any statutory lending provisions about payday advances.
The bottom line is that you need to read and understand all of the lender’s rates, terms, fees and all other additional provisions before agreeing on the loan contract. Rate Examples: An amount of $200 for 30 days: Amount Payable: $258 Interest: $58 Interest Rate: 352.8% p.a.APR 2120% (Variable) APR can be: 782% - 1564% or higher. This is only an example, actual rates and fees will vary.
Disclaimer: Short duration loans such as payday advance loans, provide a borrower financial relief - temporarily. This type of lending should not be viewed as a long-term monetary solution. If you are encountering severe financial difficulties, you should find other alternatives or seek professional financial guidance.
RealCashAdvances.com (RCA) is not a lending provider and does not make loans or any credit decisions. This website is not a lending proposal. This site connects interested individuals with a direct lender from its interface of approved moneylenders. This website is not liable for the actions or inactions of any lending provider and does not control any company within the network; RCA is not a representative, agent or broker of any lending company and does not endorse any payday lender. This website receives compensation from lenders; often based on a ping-tree model where bidders are connected to the consumer. Notwithstanding, this website’s assistance is always available at no cost to you.
Payday loans and cash advance lending is not accessible in all states. If you inquire about finance in an area where such loans are not allowed by law or within an area where RCA does not produce an accessible lender within the network, you will not be united to a lending provider. In some instances, you could have the opportunity to obtain your loan from a tribal lender. These lenders are controlled by tribal laws and special federal regulations while being exempt from local state laws that include usury caps. If you are linked to one of these lenders, please read and comprehend all of the fees and rates. These charges may be much higher than state licensed loan providers. A tribal lender may also require you to accept terms stating any disputes and conflicts be resolved within tribal jurisdiction. You are encouraged to learn and read all of the conditions and terms of any lending providers offer, and reject any proposal you cannot afford, manage to repay or has terms not acceptable to you.