Rates & Terms

1. About These Terms

VANSi (vansicashadvance.com) is not a lender and does not make credit decisions. We connect consumers with independent lending partners. Each lending partner sets its own rates, fees, and repayment terms, which are disclosed to you in your offer before you sign anything. The figures on this page describe the typical ranges available through our network and are provided for general information only.

2. Amounts, Terms & APR Ranges

• Advance amounts: $200 to $5,000, subject to lender approval and state availability.
• Repayment terms: typically 3 to 12 months, repaid in fixed installments.
• APR range: typically 6% to 36% APR, depending on the lender, your state, and your credit profile.

Your exact amount, term, APR, and payment are shown in your offer. You are never obligated to accept an offer, and you can compare multiple offers when available.

3. Representative Example

4. Fees

• Origination fees: some lenders may charge an origination fee, disclosed in your offer and included in your APR.
• Late or returned-payment fees: may apply under your lender's agreement if a payment is missed or returned.
• Prepayment: lending partners in our network do not charge prepayment penalties — you may repay early at any time.

5. Funding Timing

*Same-day funding is available when you are approved and e-sign before your lender's funding cut-off time, which varies by lender. Deposits are made by ACH and post on business days only; applications completed after cut-off, on weekends, or on bank holidays are typically funded the next business day.

6. Important Disclosures

Cash advances are intended for short-term financial needs, not as a long-term financial solution. Late or missed payments may result in additional fees and may be reported to credit bureaus. Approval is not guaranteed; lending partners review income, banking history, and other factors. Products are not available in all states.