Lending Policy | 85 Cash
85 Cash is a free loan-request service, not a lender. We do not make credit decisions.

Lending Policy

85 Cash is not a lender. We connect consumers with lenders in our network, and we expect those lenders to treat borrowers fairly and to follow all applicable federal and state laws.

Truth in lending

Before you take on any obligation, your lender must give you, in writing, the APR, finance charge, amount financed, total of payments, payment schedule, and any fees, as required by the federal Truth in Lending Act. See our Rates & Fees page for the range of rates and terms offered by lenders in our network.

Installment loans only

Lenders in our network offer installment loans repaid in multiple scheduled payments, with APRs from 4.95% to 35.95% and repayment periods from 65 days to 84 months. Loans are not rolled over or renewed.

Fair lending

Lenders must comply with fair lending laws, including the Equal Credit Opportunity Act, which prohibits discrimination in any aspect of a credit transaction. The Consumer Financial Protection Bureau (CFPB) enforces federal consumer financial laws.

Fair debt collection

85 Cash does not collect debts. We expect lenders and any collectors they use to follow the Fair Debt Collection Practices Act and similar state laws, which generally prohibit practices such as:

If you believe a lender or collector has violated these rules, you can submit a complaint to the CFPB at consumerfinance.gov or to the Federal Trade Commission at reportfraud.ftc.gov, and you may also contact us.

State regulations

Lenders must follow the laws of the states where they operate, including limits on interest rates, fees, loan amounts, and loan terms. Availability varies by state.

Ready to see your options?

Disclaimer: 85-cash.com is not a lender and does not make loans or credit decisions. We are not a representative, broker, or agent of any lender. This website provides a free service that shares the information you submit with lenders and lending partners in our network who may make you an offer. Lenders in our network offer loans from $200 up to $5,000; not all lenders can offer amounts up to $5,000. Submitting a request does not guarantee that you will receive a loan offer or an offer you find acceptable. Funding times vary by lender and financial institution. If you have questions about your loan, contact your lender directly. Lenders may check your credit with one or more of the three major credit bureaus (Experian, Equifax, and TransUnion) or with alternative consumer reporting agencies. By submitting a request, you authorize lenders to verify your information and check your creditworthiness.

This service is not a solicitation for any loan product prohibited by state law and is void where prohibited. State availability: not all lenders operate in all U.S. states, and residents of some states may not be eligible. You will be told about any limitations for your state during the request process.

This website collects personal information and shares it with third-party lenders and partners. 85 Cash may receive compensation from lenders when you submit a request or accept an offer. This website contains links to third-party websites. A personal loan is not a solution for long-term financial difficulty; if you are struggling with debt, consider speaking with a nonprofit credit counselor.

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Annual Percentage Rate (APR)

85 Cash is not a lender and does not set rates. Lenders in our network offer APRs ranging from 4.95% to 35.95%. The APR you are offered depends on factors set by the lender, such as your credit history, income, and the loan amount and term. The lender will disclose the exact APR, fees, and terms before you accept any loan.

Loan Type and Repayment Period

Lenders in our network offer installment loans that are repaid in multiple scheduled payments. Repayment periods range from a minimum of 65 days to a maximum of 84 months.

Representative Example

If you borrow $2,500 for 12 months at an APR of 10% (the APR includes all fees), you would make 12 monthly payments of $219.79. The total amount repaid would be $2,637.48, including $137.48 in total finance charges. This example is for illustration only; your actual terms may differ.

Fees and Finance Charges

Our service is free. Because we are not a lender, we cannot predict the interest rate or fees a lender will charge. Your lender will provide the full cost of the loan in your loan agreement. Read it carefully and accept the offer only if you agree with all the terms. You are under no obligation to accept any offer.

Implications of Non-Payment

When you accept a loan, you agree to repay it according to the schedule in your loan agreement. If you miss a payment, the lender may charge late fees, use collection practices permitted by law, and report the missed payment to credit bureaus, which may lower your credit score. Late-payment fees vary by lender. Contact your lender directly if you have trouble making a payment.

Potential Impact on Credit Score

Submitting a request on 85 Cash is not a credit inquiry and does not affect your credit score. Lenders may perform a soft or hard credit check with one or more of the major credit bureaus (TransUnion, Experian, and Equifax) or with alternative consumer reporting agencies. A hard inquiry may affect your credit score.

Collection Practices

85 Cash is not a lender and is not involved in debt collection. Your lender's collection practices will be described in your loan agreement. Please direct any questions about collections to your lender.

Loan Renewal Policies

Loans offered through our network are installment loans and are not rolled over or renewed. If you have trouble making a payment, contact your lender as early as possible to ask about hardship or payment-plan options. Always review your loan agreement before you sign.

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