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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Cash Express's pay off


Repayment of loan

Cash Advance has different options for paying off the specific loans you've borrowed:

  • Flex loans allow you to pay only interest for the time you keep the borrowed money. You can draw the line of credit anytime and pay the principal on balance to renew the available loan amount. There is an option of paying minimum sums periodically or paying the loan off early to reduce the interest. There are no prepayment penalties.

  • Installment loans require you to pay back in installments over the loan life. They are meant for a longer repayment period in contrast to the payday loans and cash advances you should pay off in a short time or by one payment.

  • In the case of pawn loans, you can pay the balance on your loan and return the item you've submitted. If you pay off the loan in full, you will just take your item. If you cannot pay off in full on the due date, there is an option to pay a portion of interest and extend the loan. Alternatively, you can pay the accrued interest and renew the loan agreement. Loan details will be the same, but you'll get a new due date. If you cannot pay in any case, you can surrender the item to cover the cost of the loan.


Can I extend my Cash Express loan term?

Yes, there is an opportunity to extend your loan term with some of the Cash Express loan options. You will likely be required to pay off the interest to be able to extend your loan.

How should I pay Cash Express back?

In case of installments with Cash Express, you will pay back in fixed payments. Cash advances and payday loans require a one-time payment. 

Calculate loan payments in Cash Express

Cash Express calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

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Loan term

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What to focus on before applying for a loan with Cash Express

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Cash Express and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Cash Express’s reviews by October 2022
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