Rapital Capital loans are designed to help you meet your short-term borrowing needs. This is an expensive form of credit and is not intended to provide a solution for longer-term credit or other financial needs.
Rapital Capital does not perform traditional credit checks directly as part of its credit transaction approval process, but does verify applicant information via other national databases. If you have defaulted on past transactions, you may be declined for an installment loan from Rapital Capital.
We do not always lend in every state. Our states of operation change frequently, please check back periodically to see if we are doing business in your state.
Not all loan applications are approved. Due to verification requirements, not all applicants for online loans may be eligible for an installment loan by Rapital Capital.
The Annual Percentage Rate (APR) applied to your installment loan may vary from 550% to 780% depending on the pay period. Before borrowing, please consider whether you will be able to repay the amount you borrow. Make sure that you review the terms and conditions of the loan that is offered to you.
Many of our customers applying for an installment loan will be required to provide extra information due to additional qualification criteria.
Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. We will never charge you any "hidden fees" that are not fully disclosed in the Loan Agreement. If you do not make a payment on time we will attempt to contact you via one or more authorized methods.
Failure to make timely payments may result in NSF or late fees. If your account becomes severely delinquent, it may be turned over to a 3rd party collection agency which could impact your credit score.