Rates and Terms


Missouri Amount and Terms

  • Minimum loan available to Missouri customers: $100.00
  • Maximum loan amount available to Missouri customers: $1500.00
  • **Loan terms are approximately 4-10 months****
  • Actual Loan Terms, Fees, Interest and other loan terms vary based on applicants qualification and vary by state
  • Number of payments is determined by your source of income frequency. In Missouri, your loan will have a minimum term of 120 days
  • You may pre-pay your loan at any time without penalty and only pay interest accrued up to the date of in which you have incurred
  • We are a direct lender in the state of Missouri

Please see below for additional loan details -

Missouri State Agency

Missouri Division of Finance

Truman State Office Building, Room 630, Jefferson City, MO 65102
Please call us at 888-554-8217 and your Loan Officer will provide you of the exact rate, fee and payments for your loan.

If you make all your payment on time as reflected in the payment schedule, you will pay off your loan on the final payment.

Missouri Disclaimer

The payment schedule above is an example of a $600 bi-weekly loan. The rates and fees you will be charged will vary by state and based on your qualifications. Please review your loan documents for your rates and fees, before signing the loan documents. If you have any questions please contact us.

Utah Amount and Terms

  • The minimum loan amount available to Utah customers is $100.00
  • The maximum loan amount available to Utah customers is $1500.00*
  • Loan Terms are Approximately 4-10 months
  • **Actual loan terms may vary based on applicant's qualifications
  • Number of payments is determined by your employment or source of income’s pay frequency.
  • Prepayment of your loan is allowed at any time without penalty and only pay interest accrued up to the date of in which you have incurred.
  • We are a direct lender in the state of Utah.

Please see below for additional loan details -

Utah State Agency

  • Utah Department of Financial Institutions; 324 South Street, Suite 201, Salt Lake City, UT, 84111, or PO BOX 146800 Salt Lake City, UT 84114-6800. (801) 538-8830.
  • NOTE: If you make all your payment on time as reflected in the payment schedule, you will pay off your loan on the final payment.

Utah Disclaimer

The payment schedule above is an example of a $600 bi-weekly loan. The rates and fees you will be charged will vary by state and based on your qualifications. Please review your loan documents for your rates and fees, before signing the loan documents. If you have any questions please contact us.

Texas Amount and Terms

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Credit Service Organization (CSO) / Credit Access Business (CAB) Installment Loan

For loans available to Texas residents, Direct Cash Texas LLC will not be the direct lender for installment loans that you may receive from this website. Direct Cash Texas Inc. is a registered as a Credit Service Organization and a Credit Access Business (“CSO/CAB”).

Direct Cash Texas LLC will attempt to: arrange for a loan between you and a third-party lender, service that loan if the loan is funded and provide a guarantee to the third party lender if you do not make payments on that loan. If you have any questions regarding your loan or services provided by the CSO/CAB, please direct all questions or comments to: Direct Cash Texas LLC. @ 888-554-8217.

  • The minimum loan amount available to Texas customers is $100.00**
  • The maximum loan amount available to Texas customers is $1500.00**
  • The minimum loan term is approximately 4-10 months
  • Total Interest and CSO/CAB Fees Rate: Combining both the Interest Rate and CSO/CAB Fees express as an Annual Percentage Rate. The APR may be 599% APR however rates and interest may vary based upon on the loan amount and applicant’s qualifications.

Please see below for additional loan details -

** PLEASE NOTE: Rates and interest may vary by customer and state and actual loan terms may vary based on applicant's qualifications.

  • The Third Party Lender will charge an interest rate not to exceed 10.00% per annum and the Credit Service Organization/Credit Access Business will also charge fees on every scheduled payment.
  • Number of payments is determined by your employment pay frequency. Your loan will be contracted for at least 120 days and not more than 180 days.
  • You may pre-pay your loan at any time without penalty and only pay interest accrued and fees earned up to the date of in which you have incurred.
  • T You have the right to cancel your loan within 3 calendar days of signing your loan docs. Cancellation Forms will be provided with your Loan Documents.

Examples / Sample Fees and Rates

  • The CSO/CAB Fees will vary based on your loan amount and qualifications. The Third Party Lender will also charge interest at a Rate not to exceed 10% APR.

CLICK BELOW FOR EXAMPLES OF CONSUMER DISCLOSURE FORMS WHICH ARE REQUIRED BY LAW. THESE ARE EXAMPLES OF THE TOTAL COSTS AND FEES ASSOCIATED WITH THE DIFFERENT LOAN AMOUNTS OR PAYMENT SCHEDULES

(PLEASE NOTE YOUR ACTUAL PAYMENTS MAY VARY):

STATE AGENCY AND LICENSE INFORMATION // NOTICE REGARDING CONSUMER CREDIT

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Direct Cash Texas LLC obtained a license with the Texas Office of Consumer Credit Commissioner as a Credit Access Business. Direct Cash Texas LLC is registered as a Credit Service Organization with the Texas Secretary of State. You may contact the Consumer Credit Hotline for information or assistance. Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207, (800)538-1579, consumer.complaints@occc.texas.gov, occc.texas.gov.

The Loans or extension of credit obtained through an installment or payday loan is not intended to meet long-term financial needs and should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.

An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.

Please call us at 888-554-8217.and your Loan Officer will provide you of the exact rate, fee and payments for your loan.



Additional Loan Details

  • Minimum $100
  • Maximum $1,500
  • Loan Terms range from 4-10 months with no prepayment penalty**
  • Annual Percentage Rate is approximately 599%**
  • ** Actual Loan Terms, Fees, Interest and other loan terms vary based on applicants qualification and vary by state

Now that you understand the rates and terms of your state, its time to apply

If you are having an issue with your lender or would like to make a complaint -- Call the Online Lenders Alliance Consumer Hotline at 1-866-299-7585 and speak with a live operator who can assit you in reporting fraud and navigating the online lending landscape.