Rates, fees & repayment examples

Union Perks Loans LLC operates Cash Advance - Perks Loans App as a matching and technology service. We do not set interest rates, origination fees, or repayment schedules for any loan—that information comes exclusively from the independent participating lender that extends an offer. The ranges below describe what you may see in the marketplace for personal installment-style products that users of Cash Advance - Perks Loans App may be matched to explore; they are not a guarantee of the terms you will receive.

Loan amounts

$100 – $5,000

Requested principal bands commonly start at one hundred dollars and may extend up to five thousand dollars, subject to lender programs, state law (Delaware and other jurisdictions), and your credit profile.

Annual percentage rate (APR)

5.99% – 35.99%

APR expresses the annualized cost of credit, including stated interest and certain finance charges as required to be included under Regulation Z for the product type. Your actual APR is determined only by the lender after underwriting.

Repayment terms

3 – 24 months

Installment schedules may range from a few months up to twenty-four months depending on amount, product, and lender policy. Longer terms can reduce periodic payments but increase total interest paid.

Illustrative payment examples (not an offer)

The table below uses hypothetical APRs and terms solely to show how monthly payment and total repayment can vary. These numbers are rounded for readability and do not reflect your qualification status, any lender fees that may be capitalized into principal, or state-specific charge limitations. Always review the lender’s Truth in Lending disclosure and loan agreement before accepting credit.

Principal Example term Example APR Est. monthly payment Est. total repaid
$500 6 months 12.99% ~$86.60 ~$520
$2,000 18 months 18.99% ~$131.20 ~$2,362
$5,000 24 months 24.99% ~$268.40 ~$6,442

How APR affects cost. A lower APR reduces the finance charge you pay over the life of the loan, all else equal. A higher APR or a longer repayment period increases total interest. Prepayment may or may not reduce your cost depending on whether the lender charges a prepayment premium—read your contract.

Fees you may encounter

Depending on the lender and product, you might see an origination or administrative fee deducted from proceeds or paid separately; a late payment fee if an installment is not paid by the due date; non-sufficient funds (NSF) or returned-payment fees; and, in limited circumstances, fees related to optional payment methods or payment protection products if you affirmatively elect them. Cash Advance - Perks Loans App does not charge you a fee simply for submitting a request through our service; any lender fee must be disclosed in the loan agreement and, where applicable, in the TILA disclosure.

No hidden surprises from us. If a participating lender presents an offer, you should see the amount financed, finance charge, APR, payment schedule, and total of payments before you sign. If any fee or insurance product is optional, the lender should obtain your clear, affirmative consent before adding it to your obligation.

Tips for comparing APR responsibly

  • Compare APR, not just nominal interest rate, when evaluating two installment offers with similar structures.
  • Check whether fees are financed (increasing principal) or paid upfront—they affect APR and cash to you.
  • Align the term with your budget: a lower payment is not always cheaper overall.
  • Ask the lender whether a hard credit inquiry will occur and how that may affect your score before you authorize it.
  • Visit our Responsible Lending page for additional guidance on borrowing only what you need and can repay.

Questions about a specific fee on an offer should be directed to the lender listed on your disclosure. For general questions about Cash Advance - Perks Loans App, contact [email protected] or our contact form.