Loyalty Program
The lender's Loyalty Program, explained plainly
This is the lender's program, not CashLantern's. You join it once you borrow, and it is what moves a returning borrower's rate down from the new-customer figure.
Every borrower starts at Bronze
Joining is free and automatic on your first approved loan.
No fee to submit. No obligation. Applying does not affect your FICO® Score.
Tiers
Five levels
Tier table valid as of 01/06/2026, as published by the lender.
| Level | Points needed | Borrow up to | Fee discount |
|---|---|---|---|
| Bronze(Where every borrower starts) | Start here | $500 | — |
| Silver | 700 | $1,000 | 16% |
| Gold | 2,600 | $1,500 | 33% |
| Platinum | 4,000 | $2,000 | 50% |
| VIP | 6,200 | $5,000 | 66% |
Points
How you earn them
- First loan approved+200
- Each successful payment+25
- Every $1 repaid+0.5
- Loan repaid in full+250
- Referral approved+100
- Written or filmed testimonial published+50
What it actually changes
The same $300, at two different levels
Both schedules are published by the lender. The gap between them is what status is worth.
New customer: $300 over 16 payments
- APR: 779.97%
- Payment: $91.37 every two weeks
- Finance charge: $1,161.97
- Total of payments: $1,461.97
VIP customer: $300 over 16 payments
- APR: 259.94%
- Payment: $38.34 every two weeks
- Finance charge: $313.52
- Total of payments: $613.52
Even at VIP level, rates on short-term loans remain high. Borrow only what you need and can repay on schedule.
The fine print
Worth knowing before you count on it
- Joining is free and automatic. Every borrower starts at Bronze on their first approved loan.
- Paying early advances your status faster, because points accrue on payments made and principal repaid.
- Fee discounts apply to returning customers only, and the lender still applies its underwriting criteria to every new request.
- The lender encourages early payoff. There is no prepayment penalty.
Bronze starts with a first loan
Review the payment and total cost for the amount you have in mind, then request when you're ready.
No fee to submit. No obligation. Applying does not affect your FICO® Score.