Rates & Fees

Last updated: July 2026

BrightCashWay is a free service and never charges you a fee to submit a request or view your options. The costs below are set by the third-party lenders you may be matched with, not by BrightCashWay.

How much a loan may cost

The Annual Percentage Rate (APR) reflects the yearly cost of a loan including interest and certain fees. APRs, loan amounts, and repayment terms depend entirely on the lender and your information. For unsecured personal installment loans, APRs commonly range from about 5.99% to 35.99%. Short-term or small-dollar products some lenders offer can have significantly higher APRs, and state law may cap or prohibit certain products.

Representative example

If you borrowed $2,000 over 12 months at a 24% APR, you would make 12 monthly payments of about $189, for a total of roughly $2,271 (about $271 in interest). This is an illustration only — your actual rate, payment, and total depend on the lender's offer and your creditworthiness.

Other fees

Depending on the lender and your state, a loan may include an origination fee, and late or returned-payment (NSF) fees may apply if you miss a payment. All such fees are disclosed by the lender in your loan agreement before you accept.

Implications of non-payment

Non-payment or late payment may result in additional fees, collection activity, and negative credit reporting. Some lenders may offer renewals or extensions, which can increase the total cost of borrowing. Review your lender's terms carefully.

How BrightCashWay is paid

BrightCashWay may receive a marketing or referral fee from lenders and partners when we connect you. This does not increase your cost and does not influence the rate a lender offers you.

Contact

Email info@thebrightcashway.com.