Loan Amount Range
$100 - $5,000. Exact amounts depend on lender underwriting, state availability, income profile, and repayment capacity verification.
Rates and Fees
Loan Cost Information and APR Guidance
This Rates and Fees page is provided for general informational purposes in connection with Payday Cah Advance by Fortress. Fortress Loan and Finance LLC is not a lender, does not originate loans, and does not determine final pricing, fees, repayment schedules, or credit approval. The information below describes general product parameters and educational examples only.
1. General Loan Parameter Information
Consumers using the Services may be shown product ranges that generally include loan requests from $100 to $5,000, repayment periods from 3 to 24 months, and indicative annual percentage rates ("APR") from 5.99% to 35.99%. These figures are not guaranteed, do not constitute an offer of credit, and may vary based on state law, income profile, credit history, debt obligations, underwriting review, identity verification, and lender policy.
2. Important Pricing Disclosure
Final rates, fees, payment amounts, and repayment structures are determined solely by the independent third-party lender or lending provider that evaluates your request. Fortress does not set or negotiate individual lender terms and cannot guarantee that any consumer will receive pricing within the ranges shown on this page. Before accepting any loan, you should carefully review the lender's Truth in Lending disclosures, promissory note, fee schedule, and repayment terms.
APR Range
5.99% - 35.99%. The final APR depends on credit profile, debt-to-income, requested term, and third-party lender policy.
Repayment Terms
3 - 24 months. Shorter terms may reduce total interest paid while increasing monthly payment obligations.
Illustrative Payment Examples
The following examples are estimates for educational purposes only. They are hypothetical examples designed to show how rate and term changes can affect repayment cost and do not represent guaranteed offers, lender quotes, or commitments to lend.
| Loan Amount | Sample APR | Term | Estimated Monthly Payment | Estimated Total Repayment |
|---|---|---|---|---|
| $500 | 21.99% | 6 months | $89.24 | $535.44 |
| $2,000 | 18.99% | 12 months | $183.58 | $2,202.96 |
| $5,000 | 14.99% | 24 months | $242.48 | $5,819.52 |
How APR Should Be Interpreted
APR is a broader measure of credit cost than interest rate alone because it may incorporate certain finance charges in addition to periodic interest. A lower APR generally indicates a lower borrowing cost over time, but borrowers should also consider the repayment term, total amount repaid, payment frequency, optional product charges, and the effect of any fees that may not be included in the APR calculation under applicable law.
Why Monthly Payment Alone Can Be Misleading
A lower monthly payment does not always mean a better loan. Extending the term can reduce each monthly installment while increasing total repayment over the life of the loan. Consumers should compare APR, finance charges, payment timing, total repayment, and late-fee exposure before deciding which offer best fits their needs.
Fee Categories You May See
Participating lenders may assess origination fees, late payment fees, returned payment fees, insufficient funds charges, convenience fees, or other charges where legally permitted. Certain fees may be included in the APR calculation while others may be separately disclosed depending on the lender's product structure and applicable law. Consumers should review all fee disclosures carefully, including whether fees are one-time, recurring, event-triggered, or avoidable through on-time payment.
APR Comparison Tips
Do not compare offers using monthly payment alone. Compare APR, total repayment amount, finance charge disclosures, payment due dates, fee policies, prepayment rules, grace periods, automatic payment terms, and hardship options. If any part of a lender disclosure is unclear, ask the lender for written clarification before acceptance.
Additional Cost Considerations and Consumer Cautions
Borrowers should be aware that missed or late payments may increase the total cost of borrowing and may affect credit reporting depending on lender policy. Some lenders may offer early payoff options with no penalty, while others may structure loan economics differently. You should confirm whether payments are fixed, whether interest accrues daily or monthly, whether there are deferment or extension policies, and whether default can trigger collection costs or additional lawful charges.
The examples and descriptions on this page are not legal, tax, accounting, or financial advice. Consumers should evaluate affordability based on their own circumstances and may wish to consult a qualified professional before accepting a loan obligation.