Rate and Terms

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Loan Terms

QuickFundUSA is a direct lender providing online installment loans that do not require collaterals and feature a personalized repayment schedule. The loan amount that can be approved varies from applicant to applicant and it is dependent on loan eligibility. First time credit applicant can receive up to $1000.

Customer satisfaction is of utmost importance to us. Our installment loans come with a 72-hour satisfaction guarantee. If during this time, you change your mind about your cash installment loan, kindly write to us at support@quickfundusa.com and we shall consider voiding the loan without penalties.

Loan Repayment

With the flexibility to customize your repayment schedule, you can pay back your loan in a number of installments. The typical term is 12 bi-weekly payments. Repayment however, must not exceed 180 days (6 months).

Fees and APR

You are charged $30 towards loan fee for every $100 borrowed. Depending on the number of installments and length of agreed payment schedule, our Annual Percentage Rate (APR) applicable ranges from 365.00% to 1564.28%. APR is typically the amount of interest on your total loan amount calculated annually. Lower APR means lower monthly payments.

In case of pre-payments, the fee gets adjusted accordingly depending on your shortened payment schedule. We do not charge any penalty for pre-payment. However, in case of insufficient funds, we charge an NSF fee of $20 for returned payment. Refer to the Loan Agreement as per TILA (Truth-In-Lending disclosures) for complete disclosures of APR, fees and payment terms. For additional details, kindly refer our FAQ.

Sample loan:

Click here for a typical example of a repayment schedule.

Your payment schedule will be:

Number of Payments Amount of Payments When Payments Are Due
1 $74.00 January 2, 2017
1 $69.79 January 17, 2017
1 $65.60 February 1, 2017
1 $61.39 February 16, 2017
1 $57.19 March 3, 2017
1 $53.00 March 20, 2017
1 $48.79 April 4, 2017
1 $44.59 April 19, 2017
1 $40.39 May 4, 2017
1 $36.19 May 19, 2017
1 $78.00 June 3, 2017

NOTE:

QuickFundUSA believes in equal opportunity and does not believe in discrimination against any loan applicants based on national origin, race, color, sex, marital status, etc. If you have any questions, you can refer our FAQ section or contact us directly.

We at QuickFundUSA do not extract loan applicants' credit related details from any of the 3 major credit bureaus- Experian, Equifax, and TransUnion. If we have any such information to make a decision on an application, we turn to an independent source.

QuickFundUSA is not a lender and does not make any lending or credit decisions. Loans up to $5,000 are available from our connected direct lenders. However, not all lenders can provide you with that amount. Not all states are eligible for our service. Receiving a loan offer is not guaranteed if you submit a loan request through QuickFundUSA.

For your benefit, remember that your application is verified automatically by our system. Therefore, the authenticity and verifiability of your submitted information decide how much time it takes for the decision. If any information appears to be missing, you will be asked to submit it to validate your application. The rates and terms are not independent of the state laws and your income status. Note that money requested after 6:00 PM EST will only be considered for verification on the next business day.

Our goal is to promote safe and responsible lending. Short-term loans should not be used as a long-term financial solution but rather for short-term financial requirements. Credit counselling is recommended for customers who have credit issues.

Call our customer service at - (800) 957-4811 or email to support@quickfundusa.com for help.

*I have read and understand the Terms and Conditions & Privacy Policy of this loan. All loans financed by QuickFundUSA. With our online borrowing system, each step of your application and its proceeding steps shall be made clear to you. Once assessed by our support team, your much-needed loan will be processed in as little as an hour.