Rates and Fees
Effective Date: February 23, 2026
This Rates and Fees Disclosure ("Disclosure") is provided for informational and transparency purposes and explains how rates, fees, and loan terms may be presented within the CCFI Finance - Cash Advance mobile application, website, and related services (collectively, the "App"). This Disclosure is an integral part of our legal documentation and should be read together with our Terms of Use and Privacy Policy.
The App is operated by CCFI Finance LLC ("Company," "we," "us," or "our"). The Company is not a lender and does not set, control, or guarantee rates, fees, loan amounts, approval decisions, or repayment terms. All financial products displayed in the App are offered and administered solely by independent third-party providers.
1. Important General Disclosures
- The Company does not issue loans, extend credit, or provide cash advances.
- All rates, fees, loan amounts, and repayment terms are determined exclusively by third-party lenders.
- Loan availability, approval, pricing, and terms vary based on individual factors, including credit profile, income, state of residence, and lender-specific underwriting criteria.
- Not all users will qualify for the same rates or terms, and approval is not guaranteed.
- Any examples provided are illustrative only and do not represent an offer, commitment, or guarantee of specific loan terms.
2. Overview Cards: Loan Amounts, APR, and Terms
Within the App, financial offers may be presented in a card-based format to help users easily review and compare potential options. These cards may include, but are not limited to, the following information:
2.1 Loan Amounts
Displayed loan amounts may range from small-dollar advances to larger personal loan amounts, depending on the third-party provider. Common ranges may include amounts such as:
- $100 to $500
- $500 to $2,000
- $2,000 to $5,000 or more
Actual available amounts are determined solely by the lender and may vary significantly between providers.
2.2 Annual Percentage Rate (APR)
APR represents the annualized cost of borrowing and may include interest and certain applicable fees. APRs displayed in the App are provided by third-party lenders and may vary widely, including but not limited to:
- Lower APRs for users with stronger credit profiles
- Higher APRs for users with limited or impaired credit history
APRs may range from single-digit percentages to higher rates permitted under applicable law. The Company does not set or negotiate APRs.
2.3 Loan Terms
Loan terms refer to the length of time provided to repay the loan and may include:
- Short-term repayment periods (e.g., weeks or months)
- Longer-term installment loans (e.g., 6 to 60 months)
Repayment schedules, due dates, and installment amounts are established solely by the lender.
3. Example Loan Scenarios
The following table provides non-binding illustrative examples of how loan amounts, APRs, and estimated payments may appear. These examples are provided for educational purposes only.
| Loan Amount | Example APR | Example Term | Estimated Monthly Payment* |
|---|---|---|---|
| $500 | 120% APR | 3 months | ~$215 per month |
| $2,000 | 65% APR | 12 months | ~$230 per month |
| $5,000 | 35% APR | 36 months | ~$230 per month |
*Estimated payments are approximations and may vary based on lender fees, repayment schedules, and applicable state laws.
These examples do not represent an offer, approval, or commitment. Actual terms may differ materially.
4. Fees and Charges
Third-party lenders may assess various fees in connection with their financial products. The Company does not charge lending-related fees and does not receive payments directly from users for loan products.
4.1 Common Types of Fees
Depending on the lender and applicable law, fees may include:
- Origination or processing fees
- Late payment fees
- Returned payment or NSF fees
- Prepayment penalties (where permitted by law)
- Administrative or service fees
Not all lenders charge all fees, and fee structures vary.
4.2 Disclosure of Fees
Lenders are required to disclose applicable fees, interest rates, and repayment obligations prior to loan acceptance. Users should carefully review all lender-provided disclosures before agreeing to any financial product.
5. Subscription Fees (App Services Only)
The Company may charge subscription fees for access to certain non-lending tools and features within the App, such as budgeting tools, debt tracking, credit score estimation, and educational content.
Current subscription options may include:
- $0.99 per week
- $3.99 per month
Subscription fees are separate from and unrelated to any lender fees or interest charges. Subscription fees do not guarantee loan approval or specific loan terms.
6. State Law Considerations
Loan rates, fees, and availability are subject to federal and state laws and regulations. Certain products may not be available in all states, and rate caps or fee limitations may apply depending on the user's state of residence.
The Company does not determine product availability by state and relies on third-party providers to comply with applicable laws.
7. Understanding and Comparing APR
APR is a standardized measure intended to help consumers compare the cost of credit. When evaluating APR:
- A lower APR generally results in lower total borrowing costs
- Longer loan terms may reduce monthly payments but increase total interest paid
- Fees included in APR can materially affect the overall cost of a loan
Users are encouraged to compare multiple offers and consider both APR and total repayment amount before proceeding.
8. Responsible Borrowing Guidance
Borrowing money involves financial risk. Users should:
- Borrow only what they can reasonably afford to repay
- Review all loan documents carefully
- Understand the full cost of borrowing, including interest and fees
- Consider alternatives before committing to high-cost credit
The Company does not provide personalized financial advice and encourages users to make informed decisions.
9. No Guarantee of Terms
The Company makes no representations or warranties regarding rates, fees, approval outcomes, or lender practices. All financial agreements are solely between the user and the third-party provider.
10. Updates to This Disclosure
We may update this Rates and Fees Disclosure from time to time to reflect changes in applicable laws, market practices, or App features. Updated versions will be effective upon posting within the App.
11. Contact Information
If you have questions regarding this Rates and Fees Disclosure, please contact us:
CCFI Finance LLC
407 S Congress St
Jackson, MS 39201
United States
Phone: +1 (775) 521-8094
Email: support@ccfifinance.com