Representative example

Representative Example: $1,000 loan over a 12-month term would have a total payback amount of $1,134.72. APR 29.82%. Rates between 5.99% APR and 35.99% APR for qualified customers. Loan term lengths from 3 to 36 months for qualified consumers.

Possible Implications

When borrowing, it is important to understand the implications if you do not follow the terms of your agreement. Read every offer in full before signing so you know the rate, repayment date, and all fees.

Late or Non-Payment

By accepting a loan you agree to repay it with interest within the timeframe specified by your lender. QuickCashDirect cannot predict supplemental fees for late or missed payments; review your lender’s policies carefully and reach out to them immediately if you anticipate an issue.

Credit Score Impact

Lenders may perform credit checks to verify your creditworthiness. Missing a payment or making a late payment can negatively impact your credit score and may be reported to the credit bureaus.

Collection Practices

QuickCashDirect is not a lender and does not participate in debt collection. Collection practices are defined solely by your lender. We partner only with lenders that follow the Fair Debt Collection Practices Act and use reasonable methods when accounts fall past due.

Our Lending Policy

We vet every lender in our network to ensure fair treatment, legal compliance, and responsible lending practices. We are a broker—not a lender—and we never charge consumers a fee for our service.

TILA (Truth in Lending Act)

All partner lenders must comply with TILA. You should receive clear disclosures outlining rates, fees, late-payment penalties, and all other loan terms before signing electronically. Request a copy of your agreement if it is not provided immediately.

Fair Lending

We support the CFPB’s definition of fair, equitable, and non-discriminatory access to credit. If you encounter a problem with a loan sourced through our network, you can file a complaint directly with the CFPB.

Collecting Debt Fairly

Although we are not a lender and we do not collect debt from our users, our partners must obey the Fair Debt Collection Practices Act: no harassing calls, no deceptive tactics, and no threats of legal action unless truly required.

Reporting Scams

If you encounter suspicious activity, report it to the Better Business Bureau or the CFPB. We only partner with reputable lenders and remove any partner that violates consumer trust.

Do Not Sell My Personal Information

California residents may exercise their CCPA rights by emailing us with the subject line "CCPA Do Not Sell My Information." Include your full name, mailing address, phone number, email, proof of identity, and the right you wish to exercise. We respond within two business days to verify your identity and deliver your data in electronic format. Opting out may limit our ability to connect you with lenders. To opt back in, resubmit your request.

Footnotes

• Once approved, your cash could be sent within 15 minutes. Deposit timing depends on your bank and lender.
• Three minutes is the average time to submit a request and receive a lending decision, when approved.
• APR ranges between 5.99% and 35.99% for qualified customers. Not all products offer the lowest rate.
• Loan approval and funding are not guaranteed. Decisions are made solely by the lender based on its criteria.
• Testimonials shown may be anonymized and edited to protect privacy while preserving the authentic experience.