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All There Is to Know About a Cash Loan

There are multiple reasons as to why a person needs to take out a cash loan. They could have an unexpected bill that is due to be paid or simply need some extra money to tide them over until their next paycheck. A cash advance or payday loan is an excellent way to give yourself enough financial freedom to get yourself out of debt and caught up on your bills as fast as possible..

Before entering into any financial agreement, though, it is important you are well aware of what all the terms and rates will be. Like any other loan available, you should not borrow more money than you can afford. Irresponsible borrowing can get you into a vicious cycle that is hard to end without further hurting your finances. With that in mind here are the details of a cash loan.

For those that have less than perfect credit but need financial help, their loan options tend to be limited. Luckily, a payday loan can save the day.

Laws and Regulations

Every state has its own laws regarding how much a person can take out with cash loans and how much the lender can charge for the service. You can check the current laws for your state by visiting the Consumer Resource section.

There are, however, some federal regulations which will be the same no matter which state you live in. In order to qualify for a payday loan, you must:

  • Be at least 18 years old on the day you apply
  • Be a citizen or permanent resident of the U.S.
  • Have a bank account, phone number, and email address
  • Have a verifiable source of income

And that’s it! Cash loans are all about convenience and easy access.

Rates and Fees

Since every state makes its own laws, rates and fees on a cash loan can vary drastically depending on where you live. does not any rates and fees because it is not an actual cash loan lender. Instead, helps connect you with a reputable lender in your area. By filling out the online application on, you are beginning that process.

Once you have selected the best lender, you will be entering into a loan agreement with them. is a completely free service, does not lend any money, and does not collect any payday loan payments.

You will be able to view all the interest rates and fees on your loan for free before you ever have any obligation to proceed. This is required by federal law. The Consumer Finance Bureau has also been created to help consumers who have problems with financial matters.

Speedy Distribution of Funds

By electing for direct deposit of your funds, you can get your money as fast as possible. The application itself only takes about 30 minutes from start to finish and you can have the money in your account before 24 hours have gone by.


It is extremely important to be sure you will be able to repay your loan in a timely fashion. Because there is no collateral or minimum credit score requirement with a cash loan, the interest rates and late fees are generally higher than other types of loans.

In order to make repayment as easy as possible, you will be given the option when applying of having your payments taken directly from your bank account. Electing to take part in this repayment option will eliminate any worry or hassle you may have with making sure you payments are sent on time. You need only be sure that the required funds are available in your account on the agreed upon repayment date.

For more information on a cash loan, please take advantage of the numerous articles on the topic to be found on