CashToday.org is not a lender and does not make any loans or extend credit to consumers in any way. Our goal is to match you with a suitable cash advance lender who can help you deal with your pressing financial emergency quickly and securely.
Any time you borrow money there are going to be fees and interest charges involved. CashToday.org wants to emphasize that we do not have any role in the approval process or final credit decision. Lender determines their own rates, fees, and other terms and can also vary by which state you reside.
When you submit the application, there is no guarantee you will be approved for a loan or the amount you request. This, too, is determined by the specific lender with whom you are matched. There are factors which can influence the terms of your loan such as:
- Credit history
- Current level of income
- Outstanding loans/debt
Cash advance loans differ from traditional loans. They are designed to be repaid within a short period of time (normally two weeks). The loan approval process also takes very little time- sometimes just a couple of minutes. Plus, once you are approved, the money is wired to your bank account usually within one business day.
Consumers with poor credit history, low credit scores, and even bankruptcies can also apply for a cash advance loan. Most lenders will not automatically disapprove a loan request from an applicant who has these credit problems but again, it is the individual lender who makes this decision.
All of these conveniences come with a price. Each lender sets the fees, repayment terms, and APRs on each loan they approve. For example, if your lender offers a one hour cash transfer time (not all do) and you want this expedited service, you can expect to pay an extra fee for this fast service.
This website recommends that you review your loan contract thoroughly to make sure you understand all of the terms and conditions set forth in your agreement. Lenders are required by law to fully inform you (in writing) of the specific terms and conditions contained in your contract. If you have any questions or concerns you should contact your lender directly.
Until you sign your loan agreement you are under no obligation to accept the loan offer. If you are not satisfied with the terms and conditions, you make refuse the loan. You may then reapply from our website and be matched with another lender.
Borrowing money is a serious matter. Cash advance loans are meant to be used for true financial emergencies and should not be considered a solution to long-term debt problems. If you are unsure that you will be able to fully repay your loan within the two week period (or at your next payday), CashToday.org urges you to consider other sources of borrowing.
When you sign your loan agreement, you are promising to abide by all the terms and conditions of your loan contract. If you fail to do so, the lender may start collection proceedings against you to recover the money you owe. This can mean additional costs to you in the form of extra fees, penalties, interest, and collection costs.
We at CashToday.org do not want your financial situation to become worse. Please investigate all of your borrowing options before committing to a cash advance loan.