Rates


Installment Loans

White Hills Cash™ offers consumer installment loans. We pride ourselves on being a direct lender that is here to help you in times of financial difficulty. With a White Hills Cash™ installment loan, we cater to you. You can customize your loan to fit into your current financial responsibilities and ability to repay.


Installment Loan Amounts


You can reduce the total cost of a loan by paying it off prior to the final due date or by making additional payments. We fully disclose the terms of every loan, including the total cost, your payment options payment dates and APR on your loan agreement. You are in total control of how soon you wish to pay off the loan. There are never hidden charges or prepayment penalties. We believe in providing outstanding customer support and offer ways to save on loan(s) funded by White Hills Cash™.

First Time Customers

  • Minimum Loan Amount $100.00
  • Maximum Loan Amount $300.00

Returning Customers

  • Minimum Loan Amount $100.00
  • Maximum Loan Amount $2,000.00

*Maximum loan amount depends on your credit history with White Hills Cash and your ability to repay.

Cost of Your Installment Loan

White Hills Cash™ loans are designed to assist you in meeting your short term borrowing needs and are not intended to be a long term financial solution. Installment loans are designed to stay at the same approximate payment amount over the life of the loan. Each payment made pays down a portion of the principal balance. The APR (Annual Percentage Rate) varies and is based upon your loan effective date and schedule of payments. amount you borrow as well as the frequency of your pay dates. The actual terms, rates, or fees associated with the loan are fully disclosed on the proposed loan agreement.

Payment Schedules

Your full payment schedule is included in the loan agreement. You can also choose to repay your loan via debit card, cashier’s check, ACH or money order. If you choose to make payments directly, they must be mailed to our office and received by the payment due date. You can reduce the total cost of the loan at any time by paying it prior to the last due date indicated on the payment schedule or by making additional payments on or between the payment due dates. You control how soon you wish to pay off the loan. White Hills Cash™ does not charge prepayment penalties.

Below are two $300.00 loan sample payment schedules listed for a new customer and a returning customer at the VIP Elite level. Returning customers will receive a reduced APR between 295 % -795 % which is based on credit history with White Hills Cash, verification of the information provided by the consumer, payment history with White Hills Cash and other credit criteria.

Remember that the sooner you pay back the loan, the less the total loan cost will be.

Installment Loan Schedule (New Customer)
Loan Amount Number of Payments Total Finance Fees Total Principal Payments Total Payments Annual Percentage Rate
$300.00 16 $890.11 $300.00 $1,190.11 564.31%

Payment #

 

Due Date

 

Payment Due

 

1 1/3/2017 $74.38
2 1/17/2017 $74.38
3 1/31/2017 $74.38
4 2/14/2017 $74.38
5 2/28/2017 $74.38
6 3/14/2017 $74.38
7 3/28/2017 $74.38
8 4/11/2017 $74.38
9 4/25/2017 $74.38
10 5/9/2017 $74.38
11 5/23/2017 $74.38
12 6/6/2017 $74.38
13 6/20/2017 $74.38
14 7/4/2017 $74.38
15 7/18/2017 $74.38
16 8/1/2017 $74.41
PLEASE NOTE:THIS IS AN EXPENSIVE FORM OF BORROWING AND IS NOT INTENDED TO BE A LONG TERM FINANCIAL SOLUTION.
WE STRONGLY ENCOURAGE PRINCIPAL REDUCTION AND EARLY PAYMENT TO REDUCE THE TOTAL COST OF THE LOAN.
YOU CONTROL HOW SOON YOU WISH TO PAY OFF THE LOAN.
THERE WILL NOT BE ANY PREPAYMENT PENALTIES.

Funding Time frames

Applications processed and approved before 1:30pm MST Monday – Friday are typically funded on the next business day. You can request same day funding up to 1:30pm MST Monday – Friday or next day wire transfer for loans processed on the weekends or bank holidays for an additional fee. Please see your loan agreement for specific fees. Please verify with your bank as additional incoming wire fees may be assessed.

Late / NSF Fees

We understand that things do happen. Please contact us immediately if a payment will not be processed successfully or not received by the due date and one of our loan specialists will be more than happy to assist. We will make every effort to work with you. If a payment is not processed by the payment due date, a late fee of $30 and/or NSF fee of $30 will be assessed . Late fees are charged if a payment is not made one (1) day after the due date. You can contact us directly at:

1-800-986-1962
customersupport@whitehillscash.com
Text CARE to 63946