Terms & Conditions
*3-4 hour funding time is based on the time it takes to fund a loan after a completed application has
been made prior to 1 p.m. PST on a business day. In some cases, credit underwriting and due diligence
may require additional documents, which can delay funding time. Credit amounts and interest rates
available may vary based upon the credit profile of each borrower, and not all borrowers will be
eligible for the full range of credit and interest rates possible under this offer. Credit approval is
not guaranteed and is dependent upon underwriting guidelines.
CashCall makes unsecured term loans with APRs that can range from 97.32% to 139.13%,
depending on the size of the loan. Please note that loan fees apply and affect the amount of cash you
receive. For example, a California resident who meets income and other credit requirements could receive
a loan for $10,600 with an interest rate of 74.00%, an origination fee of $2,500 and an APR of 97.32%.
In this example, a consumer would receive $8,100 deposited into his or her account and would have an
installment payment schedule of $657.98 per month for 84 months.
7 Day Guarantee. If, within seven (7) calendar days of the funding your loan with CashCall, you
repay us the full amount we disburse to you, your loan will be deemed paid in full, without you paying
any interest or having to repay the loan fee. To receive the benefit of this offer, payment in full of
the amount disbursed to you (i.e., the amount you directly receive from CashCall) must be received no
later than 11:59 p.m. (in the time zone in which you reside) on the seventh (7th) calendar day after the
date you receive funds from CashCall. If payment is not received by that time, you will be responsible
for the full amount of the loan indicated on your Promissory Note pursuant to the Promissory Note terms,
including the amount disbursed to you, the loan fee, and interest accruing from the date your loan
funded. For example, using the above loan example, if the amount disbursed ($8,100) is paid in full
within seven (7) calendar days after the date the loan funds, no interest would be charged on the amount
disbursed, repayment of the loan fee would not be required, and the loan would be deemed paid in full.
The loan fee, which is deducted from the loan amount before proceeds are disbursed to the borrower, is
fully earned at closing, and, except as described in the preceding paragraph as part of the 7 Day
Guarantee, is not subject to refund or rebate under any circumstances, in whole or in part.
No collateral is required for this loan. Eligibility requirements for this loan include, but are not
limited to acceptable credit score, income and minimum age.
The 7 Day Guarantee promotion is only available to California borrowers and is only available once per
borrower. Any borrower who previously obtained a loan from CashCall and, pursuant to a 7 Day Guarantee
promotion, timely repaid the funds (thereby not paying any interest or the loan
fee) is not eligible for the promotion.
