Fixed APR between 5.99% and 35.99%. Terms 3 to 60 months. No origination fee. No prepayment penalty. Apply online in minutes — decision within 24 hours.
Sample figures only. Final APR is determined by ECOA-compliant underwriting on a verified application.
Your rate is decided by your FICO band — no surprises, no negotiated pricing, no undisclosed factors. Below is the maximum APR we will offer for each tier; underwriting may approve you at a lower rate.
| Credit tier | FICO range | APR (fixed) | Sample monthly |
|---|---|---|---|
| Excellent | 740 – 850 | 5.99% | $152.10 |
| Good | 680 – 739 | 14.99% | $173.30 |
| Fair | 620 – 679 | 24.99% | $198.51 |
| Building credit | below 620 | 35.99% | $228.18 |
Submit once, pulled once, decisioned once — there is no soft-pull-then-hard-pull surprise.
Use the calculator above. Pick how much you need, how long you need it, and the credit band that fits your FICO. We never see the values until you click apply.
Six fields: name, email, phone, ZIP, income, FCRA authorization. We pull your credit report once, at submission. A real human underwriter reviews every application.
Approved applications are funded by ACH the same day or next business day. Fixed monthly payments begin 30 days after funding. Pay early any time, no penalty.
Your rate never changes for the life of the loan. No teaser rates that reset, no variable-rate surprises.
No fee skimmed off the principal. The APR you see is the all-in cost of credit — there is no asterisk.
Pay any portion off any day. Interest is daily-pro-rata, so early payoff saves the unaccrued interest.
A real human underwriter reviews each application. Adverse-action notices arrive within 24 hours, never the federal-law max of 30 days.
Get A Cash Advance Today is a privately-held Missouri consumer-finance company headquartered in Kansas City. We extend unsecured personal installment loans of $500 to $15,000 to qualified U.S. borrowers, at fixed annual percentage rates between 5.99% and 35.99%, with terms of 3 to 60 months.
The company is a member in good standing of the Online Lenders Alliance, adheres to the OLA Best Practices, and complies with federal consumer-credit law including the Truth-in-Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, and the Gramm-Leach-Bliley Act.
We do not run a loan-broker model and do not sell loan applications to third parties. The same human underwriter who reviews your application is the one who signs your decision letter.
The application below initiates a hard-pull consumer report under FCRA § 1681b. If declined, federal law requires a written adverse-action notice within 30 days — we send it within 24.
Reference
A decision will be emailed within 24 hours; if approved, ACH funds settle next business day.
| Minimum loan amount | $500 | Below this threshold, the simple-interest math produces a monthly payment too small to be meaningful. |
| Maximum loan amount | $15,000 | State licensing caps unsecured installment loans at this amount, regardless of FICO band. |
| Minimum term | 3 months | Per Apple App Store Guideline 3.2.2(ix) and Truth-in-Lending Reg Z. Shorter terms are payday products, not installment. |
| Maximum term | 60 months | Five years. Beyond this, the cumulative finance charge dominates the cost of credit. |
| Minimum APR | 5.99% | Reserved for the Excellent credit tier (740+ FICO). Inclusive of all finance charges. |
| Maximum APR | 35.99% | Hard ceiling. We will not lend above this rate. Aligns with OLA Best Practices and Apple Guideline 3.2.2(ix). |
| Origination fee | $0 | Zero. The published APR is the all-in cost of credit. No documentation, processing, or platform fees. |
| Late fee | $15 / occurrence | After a 10-day grace period. Waived on the first occurrence with proactive contact before the due date. |
| Prepayment penalty | None | Pay early any day. Interest accrues daily-pro-rata; early payoff saves the unaccrued interest. |
The application initiates a hard-pull consumer report under FCRA § 1681b. The hard-pull will appear on your credit report and may temporarily depress your FICO score by a small number of points, in line with the bureau's scoring model. We do not run a soft-pull-then-hard-pull pattern — there is only one inquiry, and it happens at the moment you submit.
Approved applications are funded by ACH credit to your U.S. checking or savings account on the same day or the next business day, depending on your bank's ACH posting times. Decisions are emailed within 24 hours of submission.
You may prepay any portion or the entire outstanding balance at any time, without penalty. Interest accrues on a daily, pro-rata basis on the outstanding principal — so a prepayment in excess of the scheduled installment saves you the unaccrued interest on the prepaid principal for the remainder of the term.
We are a direct lender. We underwrite, fund, and service the loan ourselves. Get A Cash Advance Today is a Missouri consumer-finance company owned and operated by Ivo Baltic, headquartered at 5587 Thousand Oaks Dr, Kansas City, MO 64152-5509. We do not sell or share applications with third-party lead-generation networks.
The Equal Credit Opportunity Act and Regulation B (12 C.F.R. § 1002.9) require us to send you a written adverse-action notice within 30 days of receiving a complete application. The notice states the principal reason(s) for the decision and identifies the consumer-reporting agency that supplied any report we relied upon. We typically send it within 24 hours.
Thirty-five-point-nine-nine percent is the federal-law and industry-standard ceiling for an installment loan. It aligns with Online Lenders Alliance Best Practices, with Apple App Store Guideline 3.2.2(ix), and with the consumer-protection thresholds the CFPB and the FDIC recognize. We will not lend above this rate under any circumstance, regardless of credit score.
The same single-pull underwriting and the same APR ceiling, with three-day pre-due push reminders, one-tap autopay enrollment, and an FCRA-compliant credit-report download. Shipping when the App Review team signs off on every line of these disclosures.