At Radiant Cash, we believe in full transparency. As a tribally-owned lender operating under tribal law, we provide clear details about rates, fees, and terms upfront so you can make informed decisions. Below is a breakdown of our pricing structure:
Loan Amounts: $100 to $2,500 (varies by state and applicant eligibility).
Repayment Terms: Flexible terms ranging from 3 to 24 months.
APR Range: 120% to 360% (Annual Percentage Rate).
All fees are disclosed in your loan agreement before acceptance:
Origination Fee:
A one-time fee of 5% to 10% of the loan amount, deducted from the disbursed funds.
Late Payment Fee:
15to15to30 if payment is not received by the due date.
Non-Sufficient Funds (NSF) Fee:
$25 charged if a payment is returned due to insufficient funds.
Prepayment:
No penalties for paying off your loan early.
Note: Fees and rates are governed by tribal law and may differ from state-licensed lenders.
What is APR?
APR (Annual Percentage Rate) represents the annualized cost of borrowing, including interest and fees. Tribal lenders like Radiant Cash may offer higher APRs than traditional banks due to the short-term, unsecured nature of loans and tribal sovereignty.
Payments are automatically withdrawn from your bank account on the due date.
Example Repayment Breakdown:
| Loan Amount | Term | APR | Total Repayment | Monthly Payment |
|---|---|---|---|---|
| $500 | 6 mo | 240% | $1,200 | $200 |
| $1,000 | 12 mo | 240% | $2,400 | $200 |
| Lender Type | Typical APR Range | Origination Fee | Prepayment Penalty |
|---|---|---|---|
| Radiant Cash | 120%–360% | 5%–10% | None |
| Traditional Bank | 6%–36% | 1%–5% | Rare |
| Credit Union | 12%–18% | 0%–3% | None |
| Other Tribal | 150%–400% | 5%–15% | Varies |
Loans are intended for short-term financial needs, not long-term solutions.
Late payments increase the total cost of borrowing.
Contact us immediately if you foresee repayment challenges.
Q: Why are APRs higher than traditional lenders?
A: As a tribal lender, we serve higher-risk borrowers with fast, unsecured loans. Our rates reflect the cost of providing accessible credit under tribal law.
Q: Can I avoid fees?
A: Yes! Repay on time to avoid late or NSF fees.
Q: Does a late payment affect my credit?
A: While we do not report to credit bureaus, chronic defaults may be forwarded to collections, which could impact your credit score.
Radiant Cash is owned by a federally recognized Native American tribe and operates under tribal sovereignty. Loan terms are governed by tribal law, not state regulations.
Rates and fees may exceed those of state-licensed lenders.
By accepting a loan, you agree to resolve disputes through tribal arbitration.
Our straightforward application process ensures you get the funds you need quickly, with same-day funding available.
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Radiant Cash Our mission is simple: to offer accessible, fair, and responsible lending services that help people navigate life’s unexpected financial challenges. We understand that everyone’s situation is different, which is why we take a personalized approach to ensure our customers feel supported every step of the way.
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