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. 


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. A loan amount that exceeds the maximum advertised loan amount  cannot be approved.

First Time Customers

  • Maximum Loan Amount $300.00     (if qualified)

Returning Customers

  • Maximum Loan Amount $2,000.00     (if qualified)

*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. The APR (Annual Percentage Rate) varies according to the loan effective date, payment schedule, amount borrowed and pay date frequency. The actual terms, rates, and 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 have the choice of paying by ACH (ACH, Debit, E-check) and Non-ACH methods (Direct pay through cashier's check 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. This is a term installment loan with approximate equal payments, but you have the right to prepay at any time. White Hills Cash™ does not charge prepayment penalties.

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

Your full payment schedule will be included in your loan agreement. You can reduce the total cost of your loan by paying off your loan prior to your last due date on your payment schedule or by making additional payments on or between your payment due dates. You control how soon you wish to pay your loan off. There will not be any prepayment penalties.

Below are two $300.00 loan sample payment schedules with biweekly payments listed for a new customer and a returning customer at the VIP Elite level. Returning customers receive a reduced interest rate 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. Please note that your APR and actual payment schedule may vary based upon your total loan duration, payment intervals, amount funded and returning customer status. Remember that the sooner you pay back your loan, the lower your total loan cost will be. 

Installment Loan Schedule (New Customer)
ANNUAL PERCENTAGE RATE
The cost of your credit as a yearly rate.
FINANCE CHARGE
The dollar amount the credit will cost you.
AMOUNT FINANCED
The amount of credit provided to you or on your behalf.
TOTAL OF PAYMENTS
The amount you will have paid after you have made all of the payments as scheduled.
$790.69% $1,654.11 $300.00 $1,954.11

Number of Payments

Payment Due

Payment Date

1 $97.66 01/05/2018
1 $97.66 01/19/2018
1 $97.66 02/02/2018
1 $97.66 02/16/2018
1 $97.66 03/02/2018
1 $97.66 03/16/2018
1 $97.66 03/30/2018
1 $97.66 04/13/2018
1 $97.66 04/27/2018
1 $97.66 05/11/2018
1 $97.66 05/25/2018
1 $97.66 06/08/2018
1 $97.66 06/22/2018
1 $97.66 07/06/2018
1 $97.66 07/20/2018
1 $97.66 08/03/2018
1 $97.66 08/17/2018
1 $97.66 08/31/2018
1 $97.66 09/14/2018
1 $98.57 09/28/2018
 
Installment Loan Schedule (Elite level)
ANNUAL PERCENTAGE RATE
The cost of your credit as a yearly rate.
FINANCE CHARGE
The dollar amount the credit will cost you.
AMOUNT FINANCED
The amount of credit provided to you or on your behalf.
TOTAL OF PAYMENTS
The amount you will have paid after you have made all of the payments as scheduled.
528.55% $950.79 $300.00 $1250.79

Number of Payments

Payment Due

Payment Date

1 $62.53 11/24/2017
1 $62.53 12/08/2017
1 $62.53 12/22/2017
1 $62.53 01/05/2018
1 $62.53 01/19/2018
1 $62.53 02/02/2018
1 $62.53 02/16/2018
1 $62.53 03/02/2018
1 $62.53 03/16/2018
1 $62.53 03/30/2018
1 $62.53 04/13/2018
1 $62.53 04/27/2018
1 $62.53 05/11/2018
1 $62.53 05/25/2018
1 $62.53 06/08/2018
1 $62.53 06/22/2018
1 $62.53 07/06/2018
1 $62.53 07/20/2018
1 $62.53 08/03/2018
1 $62.72 08/17/2018


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. Please see your loan agreement for specific fees. Please verify with your bank as additional incoming wire fees may be assessed.

Late / NSF Fees and Collection Activities

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. Late or non-payments may be subject to collection activities.

If a payment is not paid within 5 business days of the due date, a late fee in an amount equal to 10% of the amount of the payment not paid in full will be charged. If your payment is returned unpaid by your bank for any reason, a returned payment fee of $35 will be charged.

You can contact us directly at:

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