Rates, Fees and Disclosures

Last updated: September 08, 2026

APR disclosure

TreatOrCash is not a lender and does not set rates or fees. Lenders in our network offer a range of products. APR ranges from 5.99% up to 35.99% for qualified customers. Repayment periods range from a 91-day minimum up to a 72-month maximum. Your actual rate and term depend on the lender, your credit profile, loan amount and state law. Your Lender is legally required to disclose the APR, fees, repayment schedule and total cost of the loan before you sign a loan agreement (Truth in Lending Act).

Representative example

Borrow $25,000 for 36 months at 14.99% APR with a 3% origination fee: 36 monthly payments of $173.32; total repaid $6,239.52. This example is illustrative only.

Late payments, non-payment and renewal

Lenders may charge late fees or returned-payment fees as permitted by your state. Non-payment may result in collection activity in accordance with the Fair Debt Collection Practices Act and may be reported to credit bureaus. Some lenders offer renewals or rollovers; these may carry additional fees and are subject to state law. Review the Lender's policies carefully.

Availability

Loans are not available in all states. The list of states served may change without notice. Residents of certain states may be limited to specific products or amounts by state law.

Financial advice

Short-term loans are for short-term needs only. Consumers with debt or credit difficulties should seek advice from a nonprofit credit counselor.