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Rates and Fees

Money USA won’t charge you any fee for using our service. We simply serve as a link between you and the loan resources you need, so it is not our place to collect fees or set terms.

After receiving your online request, Money USA can connect you with our network of trusted lenders. If you are in contact with a lender, it is your job to determine if their rates, fees and services are in your best interest. All of this information will be covered in detail on the lender’s contract. Review these details thoroughly before entering into an agreement with the lender.

Remember, you are not bound by the terms until you sign the electronic signature page.

In some cases, state or federal laws and regulations may influence certain aspects of cash advance loans. As these regulations vary by location, you’ll need to research your local laws to discover the permissible maximums and minimums of these loans.


As you work with the lenders offered by Money USA network, there’s no need to fret about secret fees or ambiguous terms. The Truth in Lending Act is a federal law that requires cash advance loan lenders to disclose information about the terms and costs of their contracts. This act ensures that consumers like you are well informed before agreeing to a lender’s conditions. If any aspects of the contract remain a mystery to you after the disclosure, direct your inquiries toward the lender.

Comparison to Bank Loans

When dealing with bank loans you may have to navigate through a maze of requirements and settle for strict terms. A credit check may also be required before you’re approved for the funds. With all these steps in place, it’s no wonder that receiving a bank loan can take days or weeks. Even after the approval process is complete, you must wait for the funds to be transferred. Why deal with this extra hassle when you are already facing a financial crisis? You need those funds as soon as possible.

Money USA provides you with quick and simple access to emergency funds. There is no need to locate a bank or wait in line. The request process is swift if you have the necessary information prepared. In addition, if you are connected to a lender and signed a contract, the transfer takes place as soon as 1 business day. This leaves you with plenty of time to address your financial troubles.

Keep in mind that due to the speed and ease of the request and approval process, the interest rates of cash advance loans tend to be higher than the rates of most bank loans. However, as long as you plan your expenses carefully, Money USA can help you find relief from financial pressures in no time.

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