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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.

Northcash's pay off


Repayment of loan

Although Northcash is a financial institution, the company is not involved in direct lending activities. It acts as a mediator between the lender and the borrower. Due to this, Northcash does not participate in any debt collecting practices. Read your loan agreement carefully, and it will contain details related to your lender’s collection policies. If you have any queries about the situation, don’t hesitate to contact your lender. Users can visit the landing page for more information.

Conditions of loan extension

If you cannot repay your loan on time, you may apply for a loan renewal. It means you pay a charge in exchange for the ability to postpone repaying the loan in full on the due date. The fee does not affect the amount you owe. Please note that not all borrowers are eligible to renew their loans.

Early payoff

All the Northcash loans are free of early loan prepayment penalties. This can be beneficial for the borrower as it allows them to clear the original loan amount without any extra penalty decreasing its total cost.


How do I make the loan payments on Northcash?

Northcash is not a lender, due to which the process of loan payments is decided by the lender and should be mentioned on the given loan agreement.

What happens if you don’t pay back Northcash?

Northcash has the right to terminate your account without notice and remove any content or materials you provided if you do not pay the loan. If the applicant bypasses the loan agreement, the company can also take legal action.

Can you pay Northcash early?

Although Northcash does not impose a prepayment penalty, it is important to check your loan agreement for final discretion.

Can Northcash sue you?

If you do not follow the terms and conditions of the agreement, Northcash has the right to sue you.

Calculate loan payments in Northcash

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

Loan amount

Enter the desired loan amount

200 $
5000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Northcash

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 Northcash 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 Northcash’s reviews by September 2022
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