A payday loan is a small short term cash loan, typically for between $100 and $1,000, given to qualified borrowers for a short time period to help address financial needs up to their next payday. Payday loans are also known as cash advances, short term loans, payday advances, bad credit loans or deferred deposits. In each case, they are designed to help you relieve your financial burden.
Qualifying for a payday loan is simple. The basic requirements are:
To be approved for a payday loan, you must meet the basic requirements above. The specific lender you are matched with may have additional eligibility requirements based on its own approval criteria. Factors such as income, direct deposit of your pay, past payday loan history and state of residence may affect the approval of your loan or the the amount that you are approved for.
Once your completed application is submitted, Cash Loan USA attempts to match you with its nationwide network of online lenders, which typically takes less than 2 minutes. After a match with a lender has been made, you are presented with their loan agreement outlining their terms and borrowing rate. The borrower (you) must read and accept these terms and conditions. After you electronically accept and sign for your loan, the funds are direct deposited into your bank account as early as the next banking day.
Once your application is matched and approved by one of our lenders, you will be notified in real-time by cashloansinusa.com, and then directed to your lender's Loan Agreement page, where you must read and accept their Terms and Borrowing Rate. You will also receive an email confirmation from your lender, along with a link to their loan agreement page.
The cost of borrowing varies and is based on a borrower's personal eligibility for a loan. Upon approval, you are presented with the lender's loan amount, rate and repayment terms. Remember, no loan is issued unless the borrower accepts these terms.
Regardless of your credit history, if you satisfy the basic requirements then you are eligible to be approved for a payday loan. Cash Loan USA welcomes customers with poor credit history, including bankruptcy.
Your loan is typically due on your next pay date. However, some lenders will allow for extended repayment options for a fee. Please contact your lender directly if you have repayment questions.
Cash Loan USA is not a direct lender. The lender you are matched with has its own policies regarding late payments. These can be reviewed within the lender's terms and conditions before accepting a loan. If you are unable to make a payment on time, please contact your lender directly to discuss an alternative payment schedule.
Yes. Cashloansinusa.com utilizes industry-standard security protocol and enhanced 256-bit data encryption technology to ensure that your information is 100% safe and secure on this site at all times.
Although we recommend that you complete the online application for the quickest and most favorable results,Once you will complete the loan Application form One of your Loan Advisor will get back to you shortly during business hours by telephone.
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Cash Loan USA is a free, no obligation financial service, matching prospective borrowers with prospective lenders for short-term loans. Cash Loan USA is not a financial institution or a lender and cannot guarantee final approval of your loan. Not all independent loan companies will approve a loan up to $1,000. Qualifying for final approval of a cash loan depends on many factors including, but not limited to income levels, the state in which you reside and employment status. Independent loan companies may verify your supplied information with a number of independent verification companies including but not limited to: CLVerify, Teletrack, or Accurint. By entering your SSN into the website, you consent to allow us to share your SSN with outside service providers for evaluation of your application and provision of loan services. This service is not available to residents from New York.
