Online Loans Frequently Asked Questions

CASH 1 offers online loan services within select states. Our online loan offerings include loans commonly referred to as installment loans, cash advances, and lines of credit.

Online Installment loans are short-term personal loans that you pay back in installments over time. Once you receive your approval for an online loan with installment payments, you'll typically get the loan amount deposited in your bank account the next business day. The loan terms vary by state and typically range between 3 and 18 months.

A line of credit is an open-ended borrowing option. Unlike a traditional payday or installment loan, a line of credit remains active even after you have paid it down to a zero balance. You can draw the entire amount or smaller amounts over time, as long as you have available credit and your account is in good standing. Interest is only charged on the part of the money you use, not your entire credit limit.

Cash advances are small-dollar personal loans that come in a variety of terms. Payments will include the principal loan amount and a finance charge. These online loans are commonly used for unexpected expenses like emergency car repairs or non-recurring bills.

Online installment loans, cash advances, or a line of credit are borrowing options you can complete 100% online. The process begins with filling out a loan application online. Once you submit your application, the lender will provide a lending decision. You will select your loan amount and sign your loan documents electronically if approved.

After your loan documents are signed, your money is sent directly to your bank account, typically the next business day. Your loan repayment, most commonly, is in the form of electronic payment from your bank account on your due date. Here's a tip: To make repayment easy, set up automatic payments.

For over 20 years, CASH 1 has provided hassle-free loans to people denied by traditional banks and other lenders. At CASH 1, we know you're more than just a credit score. Our approval process is streamlined, providing you access to cash when needed.

As a direct lender, we offer online Installment loans and cash advances in Arizona and Nevada. The Line of Credit is currently offered in Utah, Louisiana, Kansas, Missouri, and Idaho.

Once you are ready to apply for the Online Loan of your choice, click "Apply Now" at the top of the page. Remember that the application documentation will vary by state and loan type. Below are the easy steps you'll need to complete to apply.

Step 1: Start your online application and provide your personal information.

Step 2: Receive your pre-approval amount in seconds.

Step 3: Accept your loan and set up payments.

Step 4: Electronically sign your loan agreements.

Step 5: Receive your cash directly deposited in your bank account.

In most states, you will only need the following to apply for an online loan:

• 18 Years of Age or Older
• Open Checking Account
• Proof of Income
• Not on Active Duty in Military

Requirements for New Customers.

Loan amounts and credit limits will vary by state. Please review our Rates and Terms page to learn more about the loan product available in your state of residence.

Suppose we approve your application before 10:00 AM PST and your loan funds the same business day. Approvals after 10:00 AM PST will typically fund the next business day.

Our online application guides you through each step. If you have any questions, our loan agents are available to answer. The amount of your loan approval and repayment terms are clearly defined upfront without any hidden fees. We always aim to ensure that your new loan and terms are as straightforward as possible.

If your application is approved and processed before 10:00 AM PST, your loan can be funded the same business day.

Even with a poor credit history or a previous bankruptcy filing, you may still be eligible to receive an online loan. You are more than a credit score; we use a proprietary method to assess loan worthiness and approval limits.

The fees are specific to your state. You can view fee information for online loans available in your state.

Our Online Loan process is paperless in most cases, making it easy to get the money you need. In some states, you may be required to provide additional documentation. Still, you can always send or email your documents to us.

On your loan payment due date, we send an electronic request to your bank for the specified amount of loan fees and/or principal that is outlined in your loan agreement. Usually, your payment(s) will be withdrawn from your checking account on your loan's due date via ACH (Automated Clearing House) or other electronic repayment methods. Keep in mind that there may be other repayment options available, depending on your loan type.

Yes, CASH 1 has the option to sign up with AutoPay. If you consent to AutoPay, your payments will be automatically processed with the information you provided on your due date.

An Online Cash Advance Loan will most commonly be due on your payday schedule. Online Installment Loans typically allow a longer time to pay back via multiple installments. Each state has its laws and regulations for your loan repayment.

CASH 1 will work with you to establish payment arrangements for your Online Loan and get you back on track. We're committed to collecting past due accounts professionally, fairly, and legally. If you cannot pay your loan on time, please get in touch with us immediately or visit your nearest local store or our toll-free number.