Questions

answers and questions about cash loansOnline cash advance loans are unsecured fast cash loans provided by the lenders for a short term, usually until the next payday. In fact, they are also known as payday advance loans created for consumers who should meet some financial needs or get through unforeseen expenses or bills.

Cash Advances US is a reliable provider of these instant cash advance online that will help you to stretch till the next salary arrives. Applying for payday advances through our company you will get a good opportunity to obtain a short term loan the next day as the requested funds will be deposited directly to your checking account in 24 hours.

How Does the Service Work?

When you made up your mind to apply for cash advance through our website, fill in the online application form suggested on the site. The lender will receive your request at once after you have submitted it and review it in the shortest period of time. It usually takes up to one hour as our lenders provide online cash loans with quick approval. Then, you will be notified as for the outcome of your loan via email and the funds will be sent to your valid bank account via electronic transfer.

What Amount Is Available For Borrowing? And What Are the Fees?

Actually, you can obtain payday advance loans up to $1000, though, this amount can vary depending on the laws provided by the state you live in. As for the fees, it also depends on the state legislature and the particular cash advance lender within our network.

Are the Requirements Strict?

No. It’s really easy to qualify for fast cash loans. You need to meet just a few requirements:

– major age of 18
– US citizenship
– stable job
– constant income of at least $1000 per month
– active bank account.

Is There Any Application Fees?

Cash Advances US never charges fee for submitting your application to lenders or for online cash advance qualification.

Can I Qualify For Online Cash Loan With Bad Credit Score?

Well, low or bad credit won’t prevent you from obtaining the necessary funds as some lenders within our network require no credit check, thus, in most cases, even damaged credit report or bankruptcy don’t become a hindrance for getting payday advance loans provided by Cash Advances US.

What If I Have No Ability To Pay Cash Advance Back On Time?

If you are not sure that you will be able to repay the borrowed funds on time, feel free to contact the lender directly in order to negotiate as for the extended repayment period. It may work.

Is It Necessary To Fax the Personal Documents?

No, the application process usually requires no faxing, however, the payday lender can ask you directly to send some particular documents by fax if there are some difficulties with verifying your personal information in application.

Is It Safe To Apply Online?

First of all, we use the Secure Socket Layer (SSL) protocol to encrypt your secure information (such as your bank routing number or social security number). This technology is used by banks and lenders worldwide. Besides, your personal data provided in the application will be visible only for the lenders providing cash advance loans for you.

What Will Happen If I’m Late with My Payment?

The lenders operating within our network abide legislation related to payday lending services. However, the rules vary in different states, thus the policies regarding late payments are not similar. It is advisable for you to review the detailed late payment policy performed in the loan documents which you will receive from your cash advance lender. Read it carefully prior to appending your e-signature that will mean that you agree to the terms. Still, it is more than likely that additional fees will occur in case of partial or late payment.

What If I Fail To Repay the Payday Advance Loan?

If you are not able to pay back the money borrowed through payday lending service, additional fees or criminal charges can apply to you. However, if the direct cash advance lender dealing with your case belongs to the CFSA (Community Financial Services Association of America) you won’t become a subject to criminal charges. All the online lenders within the network of CashAdvancesUS.com are dedicated to pursuing past due account collections with reasonable and fair conduct. In any case, failure to repay the loan will cause legal action and notice to a consumer credit reporting agency.

What Is Renewal Policy?

The renewal policies may vary depending on the lender, therefore read carefully the renewal policy and other terms in full prior to signing the cash loan agreement. Some lenders may not debit your personal account for the full cash advance amount, which may cause additional charges and a renewed loan. In fact, policies related to the loan renewal options are regulated by the state legislation. There are states where repayment term extensions, or rollovers, are allowed meaning that interest rates and any late fees which can be assessed may add a sufficient amount to the end price of your cash advance loan.

How Much Will the Cash Loan Cost?

The actual cost of cash advance loan and the APR depends on the direct lender you are matched with. The terms and charges associated with the option are fully disclosed in the loan agreement that will be sent to you by the lender. If the disclosed terms are not acceptable to you, don’t sign the contract.