Snap Loans Cash is free to use — we never charge you a fee. We are a loan-connection service, not a lender: your rate and fees are set by the lender that makes you an offer, within the law of your state, and appear in your loan agreement before you accept.
What determines the cost of your loan
| Factor | How it affects your cost |
|---|---|
| Your state’s law | Each state caps (or doesn’t cap) amounts, fees, and terms — some states ban high-cost payday loans entirely |
| The lender | Each licensed lender sets its own rates and fees within your state’s limits |
| Loan type | Single-payment payday loans, installment loans, and lines of credit are priced differently |
| Amount and term | Larger amounts and longer terms change both the fee structure and the total cost |
| Your income | Some states tie the maximum loan to a share of your monthly income |
Where to find your state’s exact rules: our local city sites document each state’s loan rules — maximum amounts, fee caps, terms, and rollover limits — with sources and verification dates. Short-term loans are a high-cost form of credit; always read the full agreement before you sign, and borrow only what you can repay.