How It Works
Applying for a personal loan through cashusa.com involves just two simple steps on your part. First, take just a few minutes to fill out the application on our site to obtain a personal loan from $500 to $10,000. Upon approving your application, we will quickly search our vast lender network to find the best loan providers in your area and then redirect you to a lender’s site, where an offer will be waiting. Secondly, review the loan terms and, if you find them agreeable, e-sign the lender’s contract. Once you do that, funds will be deposited into your account within one business day. It’s just that easy!
Getting approved for a personal loan through our site does not require meeting a laundry list of criteria. To qualify for assistance, you must meet the short list of criteria below:
- Be employed for at least 90 days with a monthly net income of $1,000 or more.
- Be at least 18 years of age.
- Have U.S. citizenship or permanent U.S. residency.
- Be listed as the primary account holder of a valid checking account.
- Have both work and home contact phone numbers.
- Have a working email address.
Good Credit Not Needed
Good credit is not always a true predictor of an applicant’s ability to repay a loan. Knowing this, at cashusa.com, we rely on your job history and regular paychecks to determine your creditworthiness. We will not ask you to provide credit information, and even if you have poor credit or no credit at all you can qualify for a loan from one of our affiliated lenders.
Unlike cash loan stores that offer one loan interest rate and set of terms, cashusa.com gives customers a choice. We present your information to our vast network of trusted lenders and allow you to choose the loan offer that best suits your needs. The advantage to you is that lenders will often offer their best loan rates and terms because they know they are competing with others for your business.
Rapid Application Processing
We understand that you are applying for a personal loan because you need cash fast. While banking institutions can take weeks to review your information, we process all applications almost instantly. Once you provide all the requested information, your application is immediately sent to our network of lenders for approval. Lenders may contact you for a copy of your pay stub or other income verification. Once the approval process is complete, funds will be available as soon as the next business day.
At cashusa.com, we understand the absolute necessity of maintaining secure transactions over the Internet. That’s why we are backed by the most advanced and secure encryption technology. Our website is tested daily to ensure our customer information is secure from hackers and other scammers.
For your convenience, your loan repayment can be automatically withdrawn from your checking account on the due date. You will not need to travel to a local personal loan store or worry about mailing in a check on time to avoid late fees. Just make sure you have enough funds in your account to cover your loan repayment — including interest and fees — on the date it’s due, and your approved cashusa.com lender will deduct the appropriate amount for you.