At AL Online Cash, we strive to provide clear and transparent information about the rates and fees associated with our loan products. Below is an overview of our loan terms, interest rates, and any applicable fees. Please note that all fees and rates are subject to change based on the loan product and state regulations.
Payday Loans
- Loan Amount: $100 to $500
- Repayment Term: Typically due on your next payday, within 14 to 31 days.
- Interest Rate: Typically vary depending on your loan amount and term.
- Fees: Payday loans may include an application fee, which is disclosed upfront before you proceed with the loan.
Installment Loans
- Loan Amount: $500 to $5,000
- Repayment Term: 3 to 12 months
- Interest Rate: Typically ranges from 15% to 36% annually, depending on the loan amount and term.
- Fees: You may incur origination fees based on your loan amount, which will be clearly disclosed before the loan is finalized.
Personal Loans
- Loan Amount: $5,000 to $35,000
- Repayment Term: 6 to 24 months
- Interest Rate: Typically ranges from 10% to 30% annually, depending on your creditworthiness and loan term.
- Fees: Possible late payment fees, early repayment penalties, and administrative charges, if applicable.
Title Loans
- Loan Amount: $500 to $5,000 (based on the value of your vehicle)
- Repayment Term: 30 days to several months
- Interest Rate: Typically ranges from 25% to 36% annually.
- Fees: Title loans may include an origination fee, and if you fail to repay the loan, additional fees may apply. Your vehicle serves as collateral for the loan.
Tribal Loans
- Loan Amount: $500 to $3,000
- Repayment Term: 30 days to 12 months
- Interest Rate: Typically ranges from 20% to 30% annually, depending on the lender and loan term.
- Fees: Tribal loans may include origination or processing fees, disclosed at the time of application.
Allotment Loans
- Loan Amount: $500 to $5,000 (based on your federal employment income)
- Repayment Term: Typically deducted through payroll over 6 to 12 months
- Interest Rate: Typically lower than other short-term loans, often ranging from 10% to 20% annually.
- Fees: Minimal fees, with no credit checks or hidden costs. All repayment is handled automatically through payroll deductions.
Emergency Loans
- Loan Amount: $100 to $5,000
- Repayment Term: 30 days to several months
- Interest Rate: Varies between 15% and 35% annually, depending on the loan amount and terms.
- Fees: Emergency loans may have a processing fee, which will be disclosed upfront during the loan application process.
Important Information About Fees and Charges:
- Late Payment Fees: If you miss a payment or make a partial payment, a late fee may apply. Late fees are disclosed during the loan application process.
- Early Repayment Fees: Some loan products may have early repayment fees if you choose to pay off your loan before the due date.
- Non-Sufficient Funds (NSF) Fees: If a payment is returned due to insufficient funds, an NSF fee may apply.
All fees and rates will be clearly disclosed at the time of your loan application, and you will always be informed before you proceed with any loan.
For any questions regarding rates, fees, or the terms of your loan, please contact us directly, and we will be happy to assist you.
Note: Loan terms, rates, and fees are subject to change based on the state and lender regulations. Always review your loan agreement carefully before accepting the terms.