$200 – $5003 – 6 months
Small bridge until payday or a one-off bill.
- Example: $500 / 6 months at 24.99% APR
- Monthly payment: $89.51
- Total interest: $37.07
- Total repaid: $537.07
Loan amounts
Loan Amounts from $200 to $5,000
Request anywhere from $200 to $5,000 online with Lucent Cash. Your monthly payment depends on your APR and term — here are realistic payment examples at four common amounts so you can budget before you apply.
Pick your tier
Loan Amount Tiers and Payment Examples
All examples use a 24.99% APR for illustration. New to installment loans? Start with our beginner guide. Your actual APR, term and payment are shown on your offer before you sign; see our full rates and fees page for the APR range and fee details.
$500 – $1,5006 – 12 months
Car repair, utility catch-up or minor medical bill.
- Example: $1,000 / 9 months at 24.99% APR
- Monthly payment: $123.00
- Total interest: $106.98
- Total repaid: $1,106.98
$1,500 – $3,0009 – 18 months
Larger repair, deposit or short consolidation.
- Example: $2,000 / 12 months at 24.99% APR
- Monthly payment: $190.08
- Total interest: $280.94
- Total repaid: $2,280.94
$3,000 – $5,00012 – 24 months
Debt consolidation or major planned expense.
- Example: $4,000 / 24 months at 24.99% APR
- Monthly payment: $213.47
- Total interest: $1,123.18
- Total repaid: $5,123.18
Pick smart
How to Choose the Right Loan Amount
Borrow only what you actually need — not the maximum you are offered. A larger loan means a larger payment and more interest over the life of the loan.
- Write down the exact dollar amount of the expense
- Add any closing fees, taxes or deposits that go with it
- Round up to the nearest $100 — not the nearest $1,000
- Check that the monthly payment fits inside your budget
- Choose the shortest term you can afford to cut interest
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