Rates and Terms
Transparent pricing and flexible terms for your financial needs
Our Loan Products
Choose the option that best fits your financial situation
Installment Loans
Amount: $500 - $5,000
Term: 3 - 12 months
APR Range: 100% - 300%
Fee: Origination fee 1-5%
Ideal for larger expenses with manageable monthly payments
Cash Advances
Amount: $50 - $500
Term: Until next payday
APR Range: 250% - 600%
Fee: $10-$20 per $100 borrowed
Quick cash for emergency situations
Short-Term Loans
Amount: $100 - $1,000
Term: 14 - 30 days
APR Range: 200% - 500%
Fee: $15-$30 per $100 borrowed
Best for immediate, short-term financial needs
Representative Examples
Understanding the total cost of your loan
| Loan Amount | Term | Fee/Interest | Total Repayment | APR |
|---|---|---|---|---|
| $300 | 14 days | $45 | $345 | 391.07% |
| $500 | 30 days | $75 | $575 | 182.50% |
| $1,000 | 3 months | $300 | $1,300 | 120.00% |
| $2,500 | 6 months | $750 | $3,250 | 60.00% |
| $5,000 | 12 months | $2,000 | $7,000 | 40.00% |
Note: These are representative examples only. Your actual rates and terms will depend on your creditworthiness, state regulations, and other factors. All loans are subject to approval.
Important Terms and Conditions
Eligibility Requirements
- Must be at least 18 years old
- Valid U.S. resident with Social Security Number
- Active checking account in your name
- Proof of regular income (minimum $1,000/month)
- Valid email address and phone number
Repayment Terms
Repayment terms vary based on loan type and amount:
- Short-term loans: Single payment on due date
- Installment loans: Equal monthly payments
- Cash advances: Full payment on next payday
- Automatic debit from checking account (ACH)
- Option for manual payment available upon request
Default and Collection
If you cannot repay your loan on time:
- Contact us immediately to discuss options
- Late fees will apply after grace period
- We may offer renewal or payment plan options
- Continued non-payment may result in collection activities
- Default may be reported to credit bureaus
State Availability and Regulations
Loan products, terms, and maximum amounts vary by state based on local regulations. Some states may have:
- Maximum loan amounts
- Interest rate caps
- Minimum/maximum loan terms
- Cooling-off periods between loans
- Database reporting requirements
Important Notice: PDQ CASH ADVANCE, LLC operates in accordance with all applicable state and federal laws. Loan availability and terms are subject to state regulations and individual creditworthiness. Not all applicants will qualify for a loan or for the maximum loan amount.
Annual Percentage Rate (APR) Disclosure
The Annual Percentage Rate (APR) represents the cost of credit as a yearly rate. For short-term loans, the APR can range from 200% to 2,290%. While these rates may seem high, remember that short-term loans are designed for immediate, short-duration needs and are not intended as long-term financial solutions.
Renewal Policy
Loan renewals or rollovers may be available in some states, subject to state regulations. Additional fees may apply for renewals. We encourage borrowers to pay off loans as scheduled to avoid additional charges. Excessive renewals can lead to a cycle of debt.