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Cash America is a financial services company that offers short-term loans, pawn loans, and check cashing services to consumers around the globe. Cash America Pay Day Loans is an offshoot of the larger Cash America brand that specializes in providing people with access to fast cash when they need it the most.
If you're considering taking out a pay day loan with Cash America, there are a few things you should know before diving in. Here's a comprehensive guide to Cash America Pay Day Loans.
A pay day loan is a short-term loan that's meant to help people cover unexpected expenses or bridge the gap between paychecks. They're often referred to as cash advances because they're based on the borrower's future income. Pay day loans typically have high fees and interest rates, which makes them a controversial option for many people.
To apply for a Cash America Pay Day Loan, you'll need to fill out an application on the company's website. You'll need to provide personal information, including your name, address, Social Security number, and income information.
Once you've submitted your application, Cash America will review your information and determine whether you qualify for a loan. 3000 payday loan. If you do, they'll provide you with the loan amount and terms, including the interest rate and fees.
If you agree to the terms, you'll sign a contract with Cash America and receive the loan amount in your bank account. You'll be required to repay the loan amount, along with the interest and fees, on your next pay day.
To qualify for a Cash America Pay Day Loan, you'll need to meet the following requirements:
Cash America also requires borrowers to provide proof of income and identify verification, such as a driver's license, passport, or state ID card.
Cash America Pay Day Loans typically have high fees and interest rates. The exact fees and interest rates vary depending on the state you live in and the loan amount you're applying for.
However, most Cash America pay day loans charge a fee of $15 to $30 for every $100 borrowed. This means if you borrow $500, you could be charged up to $150 in fees alone. Additionally, the interest rate for pay day loans can be as high as 400%.
Cash America Pay Day Loans can be a good option for people who need fast cash and don't have access to other types of credit. Here are some of the benefits of Cash America Pay Day Loans:
While Cash America Pay Day Loans can be a good option in certain situations, there are also risks to consider. Here are some of the potential risks of taking out a Cash America Pay Day Loan:
Cash America Pay Day Loans can be a valuable resource for people who need fast cash. However, it's important to understand the risks and fees associated with pay day loans before applying. If you're considering a pay day loan, be sure to do your research and carefully review the terms and conditions before signing on the dotted line. need a cash loan today.
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Material Disclosure:The operator of this website is not a lender, and we do not control and are not responsible for the actions of any lender. Not all lenders in our network can provide up to $5,000. The service is not available in all states. Residents of New York are not eligible to use the service to request a loan. We can’t guarantee that your request will be accepted by one of participating lenders. The service is absolutely free. We do not charge you for any service. You may exit the process at any step as you are under no obligation to accept the loan presented. For details on your loan please contact your lender directly. Credit Implications We do not make any loans or credit decisions. Our lenders may perform credit checks to determine your credit worthiness, credit standing and/or credit capacity. By submitting your request you agree to allow our lenders to verify your personal information and check your credit. Please be aware that missing a payment or making a late payment can negatively impact your credit score. Our lenders do not look at credit alone so a low score won't necessarily disqualify you. Our lenders also look at income and previous outstanding loans. APR Disclosure Your lender will provide you with the terms and fees of your loan, APR, repayment terms and costs prior to the execution of your loan documents. APRs and repayment terms provided by lenders may vary depending on specific criteria. Representative APRs range from 5.99% to 35.99%. Loans repayment period: minimum 61 Days, maximum 72 months APR is based on the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. APRs may be regulated by state and local laws. As we do not have access to the terms of your loan, so only lenders can provide you with information about your loan terms and rates, renewal policy and the implications of non-payment and late payment.
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We do not make any loans or credit decisions. Our lenders may perform credit checks to determine your credit worthiness, credit standing and/or credit capacity. Credit checks may be performed with the 3 reporting credit bureaus: Experian, Equifax, and Trans Union. By submitting your request you agree to allow our lenders to verify your personal information and check your credit. Please be aware that missing a payment or making a late payment can negatively impact your credit score.
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APR DisclosureYour lender will provide you with the terms and fees of your loan, APR, repayment terms and costs prior to the execution of your loan documents. APRs and repayment terms provided by lenders may vary depending on specific criteria. Representative APRs range from 5.99% to 35.99%. Loans repayment period: minimum 61 Days, maximum 72 months APR is based on the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. APRs may be regulated by state and local laws. As we do not have access to the terms of your loan, so only lenders can provide you with information about your loan terms and rates, renewal policy and the implications of non-payment and late payment.
| Loan Amount | $1,000 | $2,000 | $5,000 | $10,000 |
|---|---|---|---|---|
| Interest Rate | 24% | 19% | 13% | 8% |
| Loan Term | 12 Months | 24 Months | 48 Months | 60 Months |
| Fee | 3% | 5% | 8% | 10% |
| Fee Cost | $30 | $100 | $400 | $1,000 |
| Repayment | $94.56 | $100.82 | $131.67 | $202.28 |
| APR | 29.82% | 24.12% | 18.23% | 9.20% |
| Total Payments | $1,134.72 | $2,419.68 | $6,320.12 | $12,136.80 |
| Total Costs | $164.72 | $519.68 | $1,720.12 | $3,136.80 |
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Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. If you have any questions, contact your lender directly for details, questions, or concerns regarding your loan or credit product. Short-term cash loans are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution.
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