HOW IT WORKS...

North Bay Cash is here to help...

Submitting your inquiry for a loan at North Bay Cash incurs absolutely no cost. North Bay Cash is not a lender and does not provide lending services directly to consumers. Based on the information you submit, North Bay Cash searches our lending network to match you with the lender and loan that may be suited to your needs. Each lender has different loan terms, such as the loan amount, the APR for the loan, repayment schedules, etc. Each lender is required by federal Truth in Lending Act law to present to you the terms of the loan, the rates and all costs associated with the loan prior to you executing the loan documents.

After submitting your information, if you are matched with a lender, the lender will contact you to confirm your personal information and finalize the loan. Please make sure that you respond in a timely manner to ensure that funds are made available as quickly as possible. Carefully review the loan amount, fees and other details of the agreement. You are under no obligation to accept a loan until you agree with and e-sign the agreement. Please feel free to exit the process at any time as you are under no obligation to accept the loan presented.

Non-Payment Policy
Your credit score will be adversely affected if you do not make payments. In addition, additional fees or charges may apply to you in the event that you are unable to repay your loan.

APR Disclosure and Range

North Bay Cash is not a lender – as such, we do not have control over the APR you will be offered. We display a Representative APR only as it is based on data offered from multiple lenders. Qualified consumers can get a loan with APR Rates ranging from 4.95% to a maximum of 35.95% and loans repayment period of 61 to 90 days. Your loan amount, APR and repayment term will vary based on your credit worthiness, state and lender or lending partner. Important Information: Some lenders and services may not be accessible to residents of all States based on lender’s preferences and legislation particular to that State.

The following table represents sample rates, is for informational purposes only, and may not reflect the actual APRs offered by your lender and/or lending partner. The repayment terms are for close end loan products, and is not reflective of all loan products offered in our network.

Examples of Costs & APR

Loan Amount Interest Rate Loan Term Fee Fee Cost Repayment APR Total Repayments Total Cost
$1,000 24.00% 12 months 3.00% $30.00 $94.56 29.82% $1,134.72 $164.72
$2,000 19.00% 24 months 5.00% $100.00 $100.82 24.12% $2,419.68 $519.68
$5,000 13.00% 48 months 8.00% $400.00 $131.67 18.23% $6,320.12 $1,720.12
$10,000 7.90% 60 months 10.00% $1000.00 $202.28 9.20% $12,136.80 $3,136.80

Representative Example (Qualified Customers)

If you borrowed $5,000 over a 48 month period and the loan had a 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total pay back amount of $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR.