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There are many reasons why people may need cash loans, which are also sometimes known as fast Payday Advance loans. The fact is, at some point just about everyone goes through a period when their household finances seem to be stretched to the limit.

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What Are Cash Loans?
Cash loans are small, short-term loans that provide individuals with much-needed money to help cover emergencies. They range from $100 to $1,000 and come with a loan period of anywhere from 10 days to 31 days. While there are other options out there for those in need of money, such as a small loan from a bank or asking friends and family for assistance, a cash loan is the often best option for many individuals. Below are a few of the reasons why this is the case:

  • Quick loan decision: Find out whether you qualify for a loan in as little as five minutes!
  • Money in your account fast: You may be able to acquire a cash loan in as little as one business day if approved.
  • All Credit Types Welcome: Banks rule out most people for loans because of bad credit; with cash loans, however, your credit is a non-issue, meaning that past bankruptcies, bounced checks and other financial mishaps don’t limit your eligibility.
  • No embarrassment: It can be difficult to admit to family members and friends that your finances are stretched; cash loans allow you to avoid this embarrassment, as they can be acquired safely, securely and discreetly online.

Our goal is simple: to get money into your pocket quickly to help you make it to the next payday. To help us achieve this goal, we have made the process of acquiring a cash loan fast and easy from start to finish. The first step is to fill out a brief request form here on our website, which takes just a few minutes. As long as you meet the basic borrower eligibility requirements, you should have no problem submitting a loan request on our website.

Eligibility Requirements
The requirements that a prospective borrower must meet to be able to acquire a cash loan are simple and few in number. Shown below are some of the requirements our lenders are looking for. Please note that meeting these requirements does not mean that you will be connected to a lender:

  • Be at least 18 years old
  • Be a U.S. citizen or permanent resident
  • Earn a steady monthly income of at least $1,000 after taxes
  • Have a checking account in your name
  • Be able to provide work and home phone numbers, as well as a valid email address

After you submit the request form, it generally takes only a few minutes for us to process it and then forward it to the members of our affiliated lender network. Lenders will then proceed to review your information to determine whether they can offer you a loan. In order to ensure that individuals have the highest possible chance of obtaining a great loan through our system, we work with numerous lenders who offer a variety of loan terms and are willing to work with all different types of individuals.

Convenient Loan Disbursement and Repayment
Once you find a loan offer that looks good to you, all you need to do is affix your e-signature to the lender’s contract and wait for your funds, which will be deposited directly into your bank account via electronic fund transfer in as little as one business day. Loan repayment is just as easy, your lender, once the due date rolls around, can simply withdraw money electronically from the same account into which they originally deposited your funds. And in case your your loan period ends and money is not in your account to repay the loan, make sure to contact the lender ahead of time so you can inquire about an extension. Many lenders will offer extensions so individuals don’t risk damaging their credit because of non-repayment.

Helpful Borrowing Tips
When taking out a cash loan, consumers should always be sure they are seeking short-term assistance for valid emergencies. Such emergencies include medical and auto mishaps or unforeseen expenses related to the home and family. It is dangerous for individuals to take out a loan for reasons other than these, especially for things such as big-ticket purchases or paying off a portion of a credit card bill. Using a loan for these things often can leave individuals lacking in funds when repayment becomes due, making their financial situation even more precarious. Also, remember to only take out a loan for the exact amount you need. Taking out more money than necessary will just leave you having to potentially pay back more in fees and charges.

Safety and Security prides itself on providing consumers with a fast, simple, safe and reliable loan process. We are dedicated to protecting the privacy of individuals who seek out assistance, and those who submit a loan request online can feel safe knowing their important information is protected at all times. Additionally, in contrast to some companies out there that, unfortunately, give the cash loan industry a bad name with their practices, we only work with prescreened, trusted lenders who abide by all established federal and state lending laws and will never do such things as present unsolicited offers to individuals or ask for fees and other charges up front. There are a lot of lenders in the cash loan industry. Be selective when you get your cash loans, and trust to find the right lender to help you make it through to the next paycheck.

Actual disbursal may vary, but will arrive as soon as the next business day.

APR – Representative Range Explanation

The annualized interest rate that you are charged on a cash loan is known as the APR, which stands for annual percentage rate. is not a lender and therefore does not disburse loans, but it does refer consumers to lenders who are in the business of providing loans of this type, and it does not charge fees for this service. Because is not a lender, it is not able to supply you with the exact APR that will be attached to your loan. Keep in mind that APRs can vary according to the information that you provide in your loan request and also the information that your lender gives you.

Your lender will supply you with specifics regarding the APR, finance charges and any other applicable terms when you are redirected to your loan agreement during the process of requesting a loan. If you need help with any services, you may Contact Us.

The APR on a cash loan can range widely, generally being anywhere from 200 percent to 2,290 percent depending on exactly how it is calculated and other variables such as the loan duration, any fees incurred (nonpayment, late fees, etc. ...) and loan renewal actions. You should be mindful of the fact that the APR range is not your finance charge; that will be disclosed by your lender at a later point in the loan request process.

Representative Example


Relatively speaking, cash loans are costly when compared with other types of loans. It is not recommended that you use them as a long-term financial solution, and you should only take them out in emergency situations.

*Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100
Low-end calculation: ($40 / $400) * (365 days / 14 days) x 100 = 260.71%
High-end calculation: ($80 / $400) * (365 days / 14 days) x 100 = 521.43%

Important Implications to Consider only partners with lenders who make it a practice to provide customers with detailed information regarding loan conditions and terms prior to their acceptance of a particular loan offer. You should always closely go over the conditions and terms of any loan offer you receive. For more details about these considerations, look at our Lending Policy and Rates & Fees Web pages.


When you accept the conditions and terms attached to a loan offer, you are effectively agreeing to pay back the principal and finance charges in the required amount of time specified in the loan agreement. Additional charges could apply should you not be able to repay your loan in full or in the event that you make a payment after its due date. cannot predict the charges you will incur as a result of nonpayment, partial payment or late payment. Moreover, it has no control over knowledge of the loan details between you and your lender.

Make sure to refer to the nonpayment, partial payment and late payment policies detailed in the loan documents you get from your lender. It is the policy of to only work with lenders who are reputable and who make it a practice to pursue collections of past-due accounts in manner that is fair and reasonable.


Should you be approved for a cash loan, your lender will inform you of the fees and interest rate attached to that loan before you go ahead and formally accept their offer. As previously stated, is not a lender, and therefore it is unable to predict the specific interest and fees that will be connected to the offer. Please be aware that under no circumstances are you obliged to accept any particular loan offer.


It is the policy of to not get involved in making credit decisions or ever perform credit inquiries on prospective loan borrowers. However, some of’s affiliated lenders may opt to conduct a nontraditional credit check for the purpose of determining your eligibility for a cash loan. The lenders generally will not perform a credit inquiry with any of the three major credit bureaus in the United States (Experian, TransUnion and Equifax).

In the end, your credit rating may be impacted by a particular lender’s actions. If you do not pay back your loan by the specified due date, your lender may choose to report this delinquency to one or more of the major credit bureaus, which could negatively affect your rating. wholeheartedly encourages consumers with credit problems to consult a credit counselor.


Again, is not a lender, and we also do not ever engage in debt collecting. In their loan documents, your lender will provide information to you about their collection practices. Should you be unsure of the practices that are used by a particular lender, we highly recommend that you directly discuss this issue with the lender.’s policy is to only work with reputable lenders who make it a practice to pursue collections of past-due accounts in a fair and reasonable manner.


Prior to your acceptance of their loan offer, your lender will present you with loan renewal options. Please be sure to carefully go over their loan renewal policy before you proceed to sign any loan documents. Keep in mind that to a large extent state regulatory laws govern loan renewal policies.

It is intended that cash loans be used solely as a short-term financial instrument. We strongly encourage all borrowers to repay their loan in full and by the specified due date in order to avoid fees stemming from nonpayment and/or late payment. If you believe that you may potentially have difficulty paying off a cash loan after taking it out, we recommend that you explore various loan alternatives before requesting a loan through our website.