79 Cash Loan Rates and Fees Explained
There is no single 79 cash rate. Costs vary by lender, state and term; a hypothetical $500 loan with a $75 fee over 14 days costs $575, roughly 391% simple annualized.
Learn how loan APR, fees and repayment costs work.
There is no universal 79 cash rate
This website does not publish a lender rate or promise specific pricing. Rates depend on lender, product, state and borrower.
Understand APR
APR expresses borrowing costs on an annual basis. Short-term loans can carry very high APRs even when their dollar fees appear small.
Check total repayment
Compare the total amount owed and the payment date, not only the amount deposited.
Know your rights
Read the lender disclosures and applicable state protections. See the CFPB consumer guide linked below.
Consumer guidance: CFPB payday loan resources.
Example costs are not provider quotes
For illustration only, a $500 loan with a $75 finance charge repaid in one payment after 14 days costs $575 in total. Its simple annualized APR is approximately 391% (75 ÷ 500 × 365 ÷ 14 × 100). This is not an offered rate or a claim about any provider. A different repayment schedule or fee structure changes the calculation.
Before accepting an actual offer, request the lender's written APR, itemized fees, repayment dates, late-payment consequences, and total repayment amount. Loan availability and permitted charges vary by jurisdiction. See how to assess an offer and the CFPB's payday-loan consumer guidance.
How to calculate the cost of a short-term loan
Direct answer: A finance charge is the dollar cost of borrowing. APR expresses covered borrowing costs as an annual rate, making loans with different terms easier to compare. A small dollar fee can correspond to a high annualized rate when the repayment period is short.
Worked example: $500 borrowed for 14 days
Suppose a hypothetical single-payment loan provides $500 and charges $75 in finance costs. The total due is $575. The simple annualized calculation is ($75 ÷ $500) × (365 ÷ 14) × 100 ≈ 391.1%. This is an educational approximation, not a lender's official APR disclosure or a loan offer.
APR is not the same as total dollars paid
APR helps compare rates across products, but a borrower should also review the actual dollar finance charge, payment dates, number of installments, potential additional charges and the total of payments. A longer repayment term may increase the total cost even when scheduled payments are smaller.
Why there is no single “79 cash APR”
79CashLoan.com is not a lender and does not determine loan prices. Any actual rate depends on the lender, product, applicant circumstances and applicable state law. Do not rely on a generic marketing APR range instead of a written offer.
For more information, read the CFPB payday-loan resources and the FTC consumer guidance.
Illustrative short-term borrowing costs
The following are mathematical examples only, not rates available through 79CashLoan.com. They assume one payment and a flat finance charge, with no additional fees. The simple annualized calculation shown is not a substitute for the lender's legally required APR disclosure.
| Principal | Fee | Term | Total due | Simple annualized rate |
|---|---|---|---|---|
| $300 | $45 | 14 days | $345 | 391.1% |
| $500 | $75 | 14 days | $575 | 391.1% |
| $500 | $50 | 30 days | $550 | 121.7% |
Formula: fee ÷ principal × 365 ÷ days × 100. State laws, product structure and provider disclosures govern real costs. Check the verification guide and less costly alternatives.