Honest rates. Zero hidden fees.
What you see on your offer is exactly what you pay. We charge interest — that's it. No origination fees, no prepayment penalties, no late surprises.
This is what a typical $1,500 GoGoCash loan looks like.
Borrow $1,500 over 6 months at 34.9% APR. You'd make six monthly payments of about $277.60, for a total repayable of $1,665.60. No origination fee, no prepayment penalty.
Rates from 9.99% to 35.99% APR.
Where you'll land depends on your credit profile, loan amount, term length, and state of residence.
What your monthly payment might look like.
Representative monthly payments by loan amount and term. Your actual rate may differ based on your credit profile.
| Loan amount | 3 months | 6 months | 9 months | 12 months | Rep. APR |
|---|---|---|---|---|---|
| $500 | $175/mo | $91/mo | $63/mo | $49/mo | 29.90% |
| $1,000 | $351/mo | $183/mo | $126/mo | $98/mo | 31.90% |
| $1,500 | $529/mo | $276/mo | $192/mo | $150/mo | 34.90% |
| $2,500 | $872/mo | $451/mo | $311/mo | $241/mo | 27.90% |
| $3,500 | $1,213/mo | $625/mo | $429/mo | $331/mo | 23.90% |
| $5,000 | $1,722/mo | $882/mo | $603/mo | $463/mo | 19.90% |
$0. $0. $0. $0.
We charge interest. That's the entire pricing model. No tricks, no asterisks.
The three things that move your APR.
Your credit profile
We look at your full picture — credit history, income stability, and account standing — not just a single score.
Loan term length
Shorter terms (3-6 months) typically come with lower APRs than longer ones. Pick what fits your budget.
Loan amount
Larger loans ($2,500+) qualify for our lowest rate tier. Smaller amounts have shorter underwriting but cost more relatively.
GoGoCash vs the alternatives.
How we stack up against the other ways people borrow small amounts in a pinch.
|
GoGoCash
Recommended
|
Payday loan |
Credit card cash advance |
|
|---|---|---|---|
| APR range | 9.99% – 35.99% | ~400% APR equivalent | 24% – 30%+ |
| Origination fee | $0 | $15 – $30 per $100 borrowed | 3% – 5% of advance |
| Funding speed | Same day, often hours | Same day | Same day |
| Repayment | Fixed monthly installments, 3–12 months | Single balloon payment on next payday | Revolving balance, interest from day 1 |
| Prepayment penalty | No | Sometimes | No |
| Builds credit history | Yes — reports to all 3 bureaus | Usually no | Yes |