Rates and terms
Annual percentage rates range from 35.99% to 179.99% depending on the product, the amount, the term, your state and your creditworthiness. FrontPay Advance carries no interest; a $14.99 monthly membership applies and renews until cancelled.
Not all applicants qualify, and not all applicants qualify for the lowest rate or the largest amount. Terms run from a single pay cycle to 24 months depending on the product.
Representative example
A $2,000 FrontPay Installment Loan repaid over 12 months at 89.99% APR with no origination fee has 12 monthly payments of $258.54. Total repaid: $3,102.48, of which $1,102.48 is the cost of credit.
This is an illustration, not an offer. Your own figures are disclosed before you sign.
Fee schedule
| Charge | Advance | Flex | Installment | Credit line |
|---|---|---|---|---|
| Interest (APR) | 0% | 59.99–179.99% | 35.99–149.99% | 49.99–159.99% |
| Monthly membership | $14.99 | None | None | None |
| Origination fee | None | None | 0–5% | None |
| Express delivery | $3.99 optional | $3.99 optional | Free | $3.99 optional |
| Late fee | None | None | Lesser of $15 or 5% | Lesser of $15 or 5% |
| Returned payment | None | None | None | None |
| Prepayment penalty | None | None | None | None |
| Application fee | None | None | None | None |
Where state law caps or prohibits a charge, the state rule applies. No charge is made that is not listed above.
Truth in Lending
Before you accept any credit offer you receive the disclosures required by the federal Truth in Lending Act and Regulation Z: the annual percentage rate, finance charge, amount financed, total of payments and payment schedule. Read them. They, and not this page or any marketing material, describe the credit you are being offered.
State availability
Products, maximum amounts, rates and fees vary by state, and some products are not offered in some states. Loans may be originated by FrontPay Cash, LLC or by a lending partner where licensed. When you enter your address the application shows only what is available and lawful where you live.
A current list of the states in which we are licensed to lend, together with the corresponding licence numbers and any disclosures those states require, is available on request from [email protected] and is provided with your loan documents before you sign.
Approval is not guaranteed
Submitting an application, checking your rate, or seeing an offer does not guarantee approval. Approval depends on verification of identity and income, your ability to repay, and where applicable your credit profile. We may decline an application, and where we do you will receive a written statement of the specific reasons, as the Equal Credit Opportunity Act requires.
Credit checks and credit reporting
- Advance: no credit check of any kind.
- Flex and Credit Line: a soft inquiry, which does not affect your credit score.
- Installment Loan: a soft inquiry to quote, then a hard inquiry when you accept, which may temporarily lower your score.
Installment Loans and Credit Lines are reported to the major consumer reporting agencies. On-time payments may help your credit; late or missed payments may harm it. Advances are not reported in either direction.
Funding times
Same-day and 30-minute delivery estimates assume approval before the 2:00 PM ET cut-off and a receiving institution that supports instant transfers. Actual availability is determined by your own bank. Standard transfers do not settle on weekends or federal holidays. Installment Loans fund in one to two business days.
Advertising and affiliate disclosure
Some pages display offers from third-party advertisers, and FrontPay may receive compensation when you sign up through those links. Those offers are not ours, we do not set their terms and we do not underwrite them. Compensation does not affect the credit decision on any FrontPay product.
Cost of credit warning
This is an expensive form of credit. It is designed for temporary shortfalls, not for long-term financial needs, and it should not be used to cover ongoing gaps between income and expenses.
Before borrowing, consider whether a cheaper option is open to you: a credit union payday alternative loan capped at 28% APR, a payment plan agreed directly with the biller, an employer earned-wage programme, or local assistance through 211. Free, impartial guidance is available from the Consumer Financial Protection Bureau.
Messaging
Message and data rates may apply. Reply STOP to opt out of marketing messages at any time. Consent to receive marketing messages is not a condition of obtaining credit.
Complaints
Email [email protected] and we will acknowledge within one business day and respond substantively within 15 business days. If you are not satisfied you may contact the CFPB or your state financial regulator. Using either does not affect your account.