Loan Amounts
Minimum displayed offer amount may begin at $100, while maximum displayed offer amounts may reach $5,000 subject to lender policies, state law, and verified borrower profile data.
Rates and Fees
Loan App: Cash Advance by JST displays third-party lender offers that may include loan amounts from $100 to $5,000, repayment terms from 3 to 24 months, and representative APR ranges from 5.99% to 35.99%.
APR Range
Representative annual percentage rates displayed in the marketplace may range from 5.99% to 35.99%. Final APR is determined exclusively by the selected lender.
Repayment Terms
Indicative repayment periods may span from 3 months to 24 months. Some lenders may provide shorter or longer durations in specific jurisdictions.
Example Payment Scenarios
The examples below are educational illustrations only and are not guaranteed offers, approvals, or lender commitments.
| Illustrative Principal | Illustrative APR | Illustrative Term | Illustrative Monthly Payment | Illustrative Total Repaid |
|---|---|---|---|---|
| $500 | 24.99% | 6 months | $90.03 | $540.18 |
| $2,000 | 18.99% | 12 months | $183.48 | $2,201.76 |
| $5,000 | 14.99% | 24 months | $242.45 | $5,818.80 |
Fee Categories You May See
Depending on lender and state, fees may include origination fees, late-payment fees, returned-payment fees, processing fees, and optional add-on product charges where permitted by law. Not all lenders charge all fee types. Some lenders may include certain fees in APR calculations while others present fee details separately in disclosures.
Before accepting any agreement, review the Truth in Lending disclosures, payment schedule, total repayment amount, and all itemized charges provided by the lender. If fee treatment is unclear, request a detailed breakdown directly from the lender.
How to Evaluate APR Responsibly
- Compare APR and total repayment amount together, not APR alone.
- Check whether rate is fixed or variable across the repayment period.
- Confirm whether prepayment is allowed and whether penalties apply.
- Model affordability against monthly take-home income and fixed obligations.
- Prioritize offers with transparent disclosures and clear servicing contacts.
Repayment Frequency, Early Payoff, and Fee Transparency
Depending on lender and product type, payment schedules may be weekly, biweekly, semi-monthly, or monthly. Repayments are commonly made via ACH debit from a verified account unless the lender supports additional methods.
Many products permit early repayment, which may reduce total finance charges; however, lender and state-specific terms control whether any prepayment conditions apply. Always review your lender agreement and payment authorization details before acceptance.
All applicable charges, including origination fees, late fees, returned-payment fees, or expedited funding fees (where offered), should be disclosed before agreement execution. If any charge is unclear, request itemized written clarification from the lender.