Pricing
Transparent fees.
No surprises.
Renterscash shows the full cost of every loan before you accept. There are no origination fees, no late penalties, and no rollover traps.
What borrowers pay
A single, all-in fixed fee of 8%–12% of the loan amount. The exact rate depends on your alternative credit band — from Building (8%) up to Exceptional (12%). The fee is baked into your repayment schedule; you never write a separate check.
Small bridge
$300
2 weeks
Mid-size loan
$500
4 weeks
Larger request
$1,000
6 weeks
What lenders earn
Lenders receive 6%–10% annualized yield, paid pro-rata from borrower repayments. Lower-risk borrowers pay closer to 8%; lenders on those loans earn the lower end. Higher-risk borrowers pay up to 12%; lenders on those loans earn up to 10%.
Conservative yield
6%
Fund lower-risk borrowers; steady, predictable returns.
Market yield
8%
The middle of the range on most funded loans.
Growth yield
10%
Higher-risk borrowers pay more; lenders earn the top rate.
How the platform makes money
Renterscash keeps the spread between what the borrower pays and what lenders earn, plus a flat $2 servicing fee per loan. On a typical $500 loan, the platform earns roughly $10–$15 total — enough to cover operations, fraud monitoring, and customer support without gouging either side.
Example: $500 loan over 4 weeks
Borrower rate 10%, lender yield 8%
Fee summary
| Party | What they pay / earn | When |
|---|---|---|
| Borrower | 8%–12% fixed fee on loan amount | Included in weekly repayments |
| Lender | 6%–10% annualized yield, pro-rata | Paid weekly as borrower repays |
| Platform | The spread + $2 flat servicing fee | Deducted from each repayment batch |
Still have questions?
Read how our alternative credit model works, or create a free profile to see your rate.