Solo Funds Cash Advance Rates & Terms

Solo Funds Rate Disclosure

Solo Funds APR Range and Loan Amounts

All rates and terms are set by individual lending partners in our network. Your actual rate depends on your creditworthiness, income, and the lender’s underwriting criteria.

Product	Loan Amount	APR Range	Term	Monthly Payment*
Solo Funds Cash Advance	$100 – $5,000	5.99% – 35.99%	3 – 60 months	Varies by offer
Example: $1,000 loan	$1,000	15.99%	12 months	~$91/month
Example: $2,500 loan	$2,500	19.99%	24 months	~$128/month
Example: $5,000 loan	$5,000	24.99%	36 months	~$198/month

*Examples are illustrative only. Your actual rate, payment, and total cost will vary based on your credit profile and the offer you receive from a lending partner. Use our loan payment calculator to estimate your specific payment.

Solo Funds Repayment Terms

Minimum term: 3 months
Maximum term: 60 months
Fixed monthly installments
No balloon payments
Early repayment permitted (check lender agreement for prepayment terms)

Solo Funds Fee Disclosure

Marketplace fee: $0 (free to borrowers)
Origination fees: set by individual lenders (0–8%)
Late payment fees: set by individual lenders
Prepayment penalties: varies by lender
NSF/returned payment fees: varies by lender

Solo Funds Eligibility Requirements

Age: 18 years or older
Residency: U.S. resident
Income: Regular verifiable income
Bank account: Active U.S. checking account
Identity: Government-issued ID
Credit: No minimum score required (lender-dependent)

Important Information

Solo Funds State Availability and Consumer Rights

State Availability

Solo Funds cash advance products are not available in all states. Availability and loan terms may vary by state due to state-specific lending regulations. Borrowers in some states may be subject to lower maximum loan amounts or different APR caps under state law.

When you submit an application, our system automatically determines which lenders and products are available in your state. You will only see offers from lenders licensed to operate in your state of residence.

Notable state restrictions include: some states cap payday and short-term loan APRs; other states have specific maximum loan amounts. Our marketplace lenders comply with all applicable state lending laws.

Military Lending Act (MLA)

Active-duty service members and their covered dependents are protected under the Military Lending Act, which caps the Military Annual Percentage Rate (MAPR) at 36% for covered loan products. All lending partners in our network comply with the MLA. Service members may also have access to alternative financial assistance through the military aid societies.

Your Consumer Rights

As a borrower, you have the right to receive a Truth in Lending Act (TILA) disclosure from any lender before signing a loan agreement. This disclosure shows your exact APR, finance charge, amount financed, and total payment. Never sign a loan agreement without receiving and reviewing this disclosure.

You also have the right to cancel certain loan agreements within a short rescission period. Check your loan agreement for specific cancellation rights.

CFPB Resources: The Consumer Financial Protection Bureau provides free educational resources about personal loans and your rights as a borrower. Visit consumerfinance.gov for more information.

How Our Marketplace Works

Solo Funds Cash Advance is not a lender. We are a loan marketplace that connects borrowers with licensed third-party lending partners. We earn a referral commission when a lender funds a loan through our platform. This relationship is fully disclosed on every page of this site per FTC guidelines. Our commercial relationship does not influence which offers you receive — that is entirely determined by lenders.

Representative Solo Funds Rate Examples

The following examples illustrate the cost of borrowing at different APR levels. These are for educational purposes only. Your actual offer will be determined by your lending partner based on your individual credit profile.

Loan Amount	APR	Term	Monthly Payment	Total Interest	Total Cost
$500	9.99%	6 months	$87	$21	$521
$1,000	15.99%	12 months	$91	$91	$1,091
$2,500	19.99%	24 months	$128	$567	$3,067
$3,500	24.99%	36 months	$139	$1,498	$4,998
$5,000	29.99%	48 months	$178	$3,559	$8,559

All figures are rounded estimates. Actual payments depend on exact APR, origination fees (if any), and payment date. Use our loan calculator for a precise estimate based on your specific loan amount and term.

Understanding Your Solo Funds Loan Agreement

Before accepting any loan offer through our platform, you will receive a full loan agreement from the lending partner. This agreement must include, under the Truth in Lending Act:

Annual Percentage Rate (APR) — the yearly cost of your loan including interest and fees
Finance Charge — the total dollar amount you will pay to borrow the money
Amount Financed — the actual amount of money you receive
Total of Payments — the total amount you will pay over the life of the loan
Payment Schedule — the number of payments, amounts, and due dates

Read every section of this agreement before signing. If anything is unclear, contact the lender directly for clarification. You are never obligated to accept an offer that does not meet your needs. For a side-by-side comparison of different loan types, visit our lender comparison page.