Rates & costs
Every number, in one place
Everything the lender, CreditCube, charges — nothing rounded down or held back until the last screen.
This is an expensive form of borrowing. Compare it with a credit card, a credit union loan, or a payment plan with the biller first.
These loans are designed for short-term needs such as an emergency repair or an unexpected bill. They are not a long-term financial solution.
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Pick an amount on the home page — payment, cost of borrowing and total fill in before you send anything.
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Amounts and term
What you can borrow, and for how long
Amount rules
- First loan: $200 – $500.
- Returning customers: up to $5,000, at VIP level in the lender's Loyalty Program.
- Your ceiling rises with repayment history, not with how much you ask for. The lender applies its underwriting criteria to every request.
Term and schedule
- Term: 224 days.
- 16 scheduled payments, one every two weeks.
- Payments are scheduled every two weeks. Your full schedule — number of payments, amounts and dates — is set out in the loan agreement before you sign it.
APR
The rate, stated once per product
New customers: 779.97%. Returning customers: 259.94% – 779.97%, depending on payment history and Loyalty Program status.
Compare loan options
First-time installment loan
- Amount
- $200 – $500
- Term
- 224 days
- APR
- 779.97%
- Best for
- A first loan with CreditCube, where no borrowing history exists yet
Returning customer installment loan
- Amount
- $501 – $5,000
- Term
- 224 days
- APR
- 259.94% – 779.97%
- Best for
- Repeat borrowers, whose rate falls with payment history and Loyalty Program status
APR varies by amount, term and your qualifications. The lender must show your actual APR and total cost before you agree to anything.
Fees
What is charged, and by whom
| Fee | Amount | Detail |
|---|---|---|
| Origination fee | 0% | The lender charges nothing to open the loan. |
| Late fee | May apply | A late fee may be charged when a payment is not received by its due date. The amount is set out in your loan agreement. |
| NSF / returned item fee | May apply | A non-sufficient funds or returned item fee may be charged when a scheduled payment does not clear. The amount is set out in your loan agreement. |
| Prepayment penalty | $0 | There is no prepayment penalty. Paying the loan off early, or making extra payments between due dates, reduces the total cost. |
| CashOtter fee | $0 | CashOtter charges you nothing. Submitting a request is free and carries no obligation. We are paid by the lender when a request is accepted. |
Payment schedules
Two full schedules the lender publishes
Both are $300 loans over 16 bi-weekly payments. The only difference is Loyalty Program status.
New customer — $300 example
A first loan, before any Loyalty Program status has been earned
- Annual Percentage Rate
- 779.97%
- Finance charge
- $1,161.97
- Amount financed
- $300
- Total of payments
- $1,461.97
The cost of your credit as a yearly rate.
The dollar amount the credit will cost you.
The amount of credit provided to you.
What you will have paid after making all scheduled payments.
Show all 16 payments of $91.37
| Payment | Due | Amount |
|---|---|---|
| Payment 1 | 14 days after funding | $91.37 |
| Payment 2 | 28 days after funding | $91.37 |
| Payment 3 | 42 days after funding | $91.37 |
| Payment 4 | 56 days after funding | $91.37 |
| Payment 5 | 70 days after funding | $91.37 |
| Payment 6 | 84 days after funding | $91.37 |
| Payment 7 | 98 days after funding | $91.37 |
| Payment 8 | 112 days after funding | $91.37 |
| Payment 9 | 126 days after funding | $91.37 |
| Payment 10 | 140 days after funding | $91.37 |
| Payment 11 | 154 days after funding | $91.37 |
| Payment 12 | 168 days after funding | $91.37 |
| Payment 13 | 182 days after funding | $91.37 |
| Payment 14 | 196 days after funding | $91.37 |
| Payment 15 | 210 days after funding | $91.37 |
| Payment 16 | 224 days after funding | $91.37 |
| Total of payments | $1,461.97 | |
Payment dates are set from the date your loan is funded and are listed in full in the loan agreement before you sign it.
VIP customer — $300 example
A returning borrower at the top Loyalty Program level
- Annual Percentage Rate
- 259.94%
- Finance charge
- $313.52
- Amount financed
- $300
- Total of payments
- $613.52
The cost of your credit as a yearly rate.
The dollar amount the credit will cost you.
The amount of credit provided to you.
What you will have paid after making all scheduled payments.
Show all 16 payments of $38.34
| Payment | Due | Amount |
|---|---|---|
| Payment 1 | 14 days after funding | $38.34 |
| Payment 2 | 28 days after funding | $38.34 |
| Payment 3 | 42 days after funding | $38.34 |
| Payment 4 | 56 days after funding | $38.34 |
| Payment 5 | 70 days after funding | $38.34 |
| Payment 6 | 84 days after funding | $38.34 |
| Payment 7 | 98 days after funding | $38.34 |
| Payment 8 | 112 days after funding | $38.34 |
| Payment 9 | 126 days after funding | $38.34 |
| Payment 10 | 140 days after funding | $38.34 |
| Payment 11 | 154 days after funding | $38.34 |
| Payment 12 | 168 days after funding | $38.34 |
| Payment 13 | 182 days after funding | $38.34 |
| Payment 14 | 196 days after funding | $38.34 |
| Payment 15 | 210 days after funding | $38.34 |
| Payment 16 | 224 days after funding | $38.34 |
| Total of payments | $613.52 | |
Payment dates are set from the date your loan is funded and are listed in full in the loan agreement before you sign it.
Funding
When the money arrives
Standard funding
Applications approved before 3:00 PM EST, Monday to Friday, are typically funded the next business day. Deposit times vary by bank.
Real-Time Funding
Real-Time Funding (RTF) can deliver the money in as little as 30 minutes, if your bank supports instant transfers.
Weekends and holidays
On weekends and holidays, Real-Time Funding is available only for applications that are auto-approved.
If a payment fails
Late and returned payments
What can be charged
A late fee may be charged when a payment is not received by its due date. The amount is set out in your loan agreement.
A non-sufficient funds or returned item fee may be charged when a scheduled payment does not clear. The amount is set out in your loan agreement.
A missed or returned payment can trigger a late fee and a non-sufficient funds fee, and your bank may charge its own overdraft fee on top.
What to do
Contact CreditCube before your due date if you cannot pay. Support: 1-888-885-5646 or support@creditcube.com. If debt is a recurring problem rather than a one-off gap, a nonprofit credit counsellor at nfcc.org is a better first call than another loan.
CreditCube: 1-888-885-5646, support@creditcube.com, 7:00 AM – 6:00 PM EST.
Cost control
How to lower what this costs you
Pay it off early
There is no prepayment penalty. Clearing the balance early removes every remaining interest charge.
Make extra payments
Anything paid between due dates reduces the balance interest accrues on, so the total falls.
Borrow only what you need
At these rates, every extra hundred dollars is expensive. The smallest amount that solves the problem is the cheapest one.
Licensing
The lender's licence and ordinance
CreditCube is a tribal enterprise of the Big Valley Band of Pomo Indians, a sovereign government. Your loan agreement is governed by tribal and, where applicable, federal law. The laws of your state of residence do not apply to it, and all communications and transactions are deemed to occur on tribal land.
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