MyCashTime is owned by Approved Money Center, LLC and operates as a Credit Services Organization (“CSO”) and a Credit Access Business that assists consumers in obtaining Deferred Presentment Transactions (aka, Payday Loans) through 3rd party lending organizations. A fee will be charged by the CSO for arranging the loan and interest will be a charged by the lender at 10% per annum. If your Payday Loan account is returned as unpaid through the ACH process, you will be charged a $30 returned payment fee.
Examples of our loan products are below
| Loan Amount | Interest Charge By Lender | Fee Charged By CSO | Total Charged | Annual Percentage Rate |
| $100.00 | $0.38 | $20.00 | $20.38 | 531.43% |
| $300.00 | $1.15 | $60.00 | $61.15 | 531.43% |
| $500.00 | $1.92 | $100.00 | $101.92 | 531.43% |