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The operator of Cashpandaloans.com (this “Website”) is not a lender, loan broker, financial institution, an agent or a representative of a lender or a loan broker and does not charge or endorse you for any loan or product. This website only collects information you; the perspective borrower provided and forwards it to potential loan providers, third-party networks of lenders and other solutions. Due to this, the Website is unable to confirm the exact APR rate that a consumer will be charged.

This Website is not an offer or solicitation to lend or offer any loan products that are prohibited by state law. This service is void where prohibited. Lenders do not provide loans to potential borrowers in all states. This Website does not in any way get involved in any of the lender’s decision-making process, is not involved in the loan or credit approval process and does not make or issue any loans. THE OWNERS AND OPERATORS OF THIS WEBSITE ARE NOT LENDERS, they do not broker loans and they do not make loans or credit decisions. Nothing on this website is an offer or a solicitation to lend. Any information you submit to this site will be provided to a lender or lending partner. The operator of this website is not an agent, representative or broker of any lender or lending partner and does not endorse or charge you for any service or product.

Every state has its own set of rules and regulations that govern personal loan lenders. Your loan amount, APR and repayment term will vary based on your credit worthiness, state and lender or lending partner.

All lenders on our panel directly or indirectly offer loans from $200 up to $3,000. Loan periods range from 3 to 36 months. This service and perspective lenders are not available in all states. Providing your information to this website does not guarantee that you will be approved for a loan or receive any credit product offer. APR rates will vary based on your repayment history, credit score, as well as other factors.

Credit checks may be performed by perspective lenders with the three credit reporting bureaus: Equifax, Trans Union, and Experian, or may perform alternative consumer reports or credit checks via alternative providers. By submitting your request, you are authorising and agree that your information may be sent to lenders and/or their-party partners on your behalf to independently verify your creditworthiness and the information you submitted.

Once your loan request has been approved by a perspective lender, the lender will give you all the facts linked with the loan. These will be the APR, all associated loan finance charges, and all of the terms you will be agreeing to. It is important that you read all information submitted to you by the lender to ensure that you can make an informed decision prior to accepting a loan offer.

Loan renewal options are not always available. It is therefore advisable to clarify whether the option is available with your lender. Before you sign the documents, carefully read and understand the renewal policy presented in the agreement.

Fund transfer times may vary between lenders and may depend on your financial institution. In case you have any questions or concerns about your loan, or credit product please contact your lender directly.

Short-term cash loans, instalment loans, payday loans, and personal loans are supposed to provide the perspective borrower with short-term financing to resolve immediate cash advance needs and should not be considered a long-term solution.

Representative Examples (Qualified Customers)
If you borrowed $2,000 over a 12 month period and the loan had a 3% arrangement fee ($60), your monthly repayments would be $189.12, with a total payback amount of $2269.44 which including the 3% fee paid from the loan amount, would have a total cost of $329.44. Representative 29.82% APR.

(*) Cashpandaloans.com does not perform a credit check. Most lenders will conduct a soft search when reviewing your eligibility for a loan which should not affect a credit score. If you accept a lender’s loan offer, they will perform a full credit search.

(¹) Although some providers offer rates from 4.95% up to 35.95% APR rates that low are only available to certain customers. The repayment terms are for closed end loan products, and is not reflective of all loan products offered in our network.

(²) Once you are approved, your cash could be sent within 24 hours. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures, and can take longer then 24 hours.

(³) 100 seconds is the optimal time for our system search for your loan. Some times it can take longer and during high traffic times 180 seconds is the average time taken to complete the online loan offer process, submit your details and receive a loan offer decision if approved.

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