How Works
Fast and easy loans, when you need them
A cash loan is a quick, convenient way to get emergency funds when you just can’t wait until your next paycheck. At, it’s just a three-step process to receive the cash you need.
Step 1: Fill out the application form
The first step is to fill out our online Cash Loan Application Form.
The application process is completely free. For faster approval of your loan, please make sure to fill in the form as completely and accurately as possible.
You can request a loan for up to $1,000 in emergency cash. works with a vast network of lenders across the country. The basic requirements imposed by lenders are listed below. To apply you must be:
A United States citizen or permanent resident;
18 or older at the time you submit your application;
Continuously employed at your current job for at least 90 days.
You also must have:
A minimum gross monthly income of $1,000.
A valid and active checking account in your name.
Home and office contact information.
A valid email address
Step 2: Fast application review submits your personal information securely, using the most advanced encryption standards available. Once we receive your application form, it is electronically forwarded to multiple lenders for review.
Our lenders may contact you with requests for proof of eligibility, such as copies of your pay stubs. The review process is fast, and once your loan is approved, you’ll be informed of the terms and fees offered with your loan by each approving lender.
Please note that late payments on your cash loan will involve additional fees in excess of your loan interest. Your state’s laws and regulations outline the terms and penalties for late payments.
When selecting a lender for your cash loan, look for reasonable fees and clear, straightforward terms. The Truth in Lending Act requires lenders to disclose all fees that may be incurred during the loan process.
Step 3: Receive your cash!
After you select a lender and remit your e-signature, which serves as your acceptance of the cash loan terms, the lender will deposit the funds into your checking account. Cash deposits may be received as quickly as one business day from the date of your application.
In addition to fast, convenient loan application processing, lenders offer flexible post-loan terms and conditions:
Automatic repayment
Your loan amount, along with associated fees, will be withdrawn automatically from your checking account on the due date, which is usually your next payday.

Loan extensions
If for some reason you’re unable to make your payment on the due date, your loan can be rolled over or extended.
Unlike late payments, loan extensions do not incur late fees. If you need an extension, your lender will work with you to arrive at a fair and lawful payment arrangement.
Your state laws will determine how frequently a cash loan can be extended. By law, a lender who is a member of the Community Financial Services Association of America (CFSA) can only extend a cash loan payment plan once within a period of 12 months.
For more information, please see the CFSA Customer Bill of Rights.
Loan default
If you default (do not repay) on your loan, lenders may charge additional fees, or criminal charges where mandated by law. You may be protected from criminal charges if your lender is a CFSA member. Please consult your state regulations for non-payment of cash loans.
Start Requesting Your Loan Today!