Rates and Fees

While keeping in mind the different laws around short-term loans for every state, our fee for every $100 is $30 and the APR ranges from 365.00% to 1564.28%- which can also depend on the loan tenure and the number of EMIs that you would be paying.

Do note that if you can manage an earlier payment, the charges will come down as per the reduced EMI schedules, and there will be no prepayment penalty. The sooner you repay, the lower will be the charge.

The charge for a bounced check or non-sufficient funds (NSF) is $20. However the final terms regarding the APR and fee structure will depend on the terms and conditions of the loan policy you avail with us. The Loan agreement will include all the details related to APR, fees and re-payment terms and all terms with regards to TILA (TRUTH-IN-LENDING DISCLOSURES).

For more information kindly refer to the FAQ page our site.

Consumer Notice

This service and website is an invitation to send us a loan application, not an offer to make a loan. We are registered with the Department of Financial Institutions of Utah. If we approve your loan application, the money will be disbursed from our account in Utah. Laws governing consumer credit and loans in Utah may differ from the laws of the state where you live/reside. This service may or may not be available in your particular State.The available loan product types and loan amounts vary with the market/state of your residence/application. Loans are subject to State laws, eligibility, underwriting, and approval. Rates, fees, terms, and conditions apply.

Credit approval on your application may be based on information received in part or entirely from a national database, such as but not limited to TransUnion or eBureau.

Phrases such as "immediate approval", “instant approval”, "poor credit accepted", “bad credit accepted”, "instant loan", "instant deposit", "direct deposit", etc., and words or phrases with similar meanings, are only indicative and do not always apply. Certain conditions, state laws, and security considerations may require deviating from such conditions. Credit decisions and disbursements times are subject to system limits. In some cases, additional procedures may be required, which may delay the loan decision. Some restrictions may apply.

All loans offered by Silver Financial Capital Inc. are short-term loans. Short-term loans are intended to assist with certain short-term financial needs and not to serve as long-term financial solutions. Customers with credit-related issues and difficulties are advised to seek credit counseling.

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Consumer Notice