Frequently Asked Questions

ExpressCash.com is delighted to help you find quick connections to the loans proceeds that you need. However, we are not a lender. We are a connection service that takes your information and passes it the members within an extensive network of lenders who may have the means to help you. We do not control such entities and their decisions about your loan approval, loan amounts, interest rates, qualification criteria and so on. We can give you an estimate based on industry standards but cannot guarantee specific rates and terms. That being said, we will make a very diligent effort to connect you with top lenders who want to provide you the cash advance that you seek. The following are some of the most commonly asked questions. Feel free to search them and then contact us if you have any additional questions.

1. How Can I Qualify for a Short Term Cash Loan?

To qualify for a loan, you must be 18 years of age and have identification information. You should also have a stable job with a reasonable income and a bank account that is clear of negative transaction history.

2. How Much Cash Can I Get?

The amount of cash that our network of lenders issues varies between each provider. We can tell you that a Payday Loan Cash Advance range is between $100 and $1,000. A Personal Loan Cash Advance is for $1,000 or more.

3. How quickly be a cash advance taken out?

Generally, lenders have until at least the next business day to make your cash deposit available to withdraw or to use these funds to cover your checks.

4. What is the most straightforward process for getting a Cash Advance?

Simply fill in your information on a secure form. One of the financial specialists will receive the information to communicate and offer you a payday loan or cash advance you request.

5. How Will You Pay Me the Money?

ExpressCash.com will connect you with lenders who will pay you the money if they approve your request. ExpressCash.com does not directly pay you money. The most common delivery methods is ACH direct deposit into your checking account. An ACH transaction is one that places the funds directly into your bank account so that you can have access to them quickly. Many lenders will use the same bank account to deduct the repayment funds on the appropriate dates.

6. Can I Still Get Money With Bad Credit?

Yes. You can still get a loan with bad credit, repossession, bankruptcy and so on if you meet the income criteria and have a stable source of income. You should not at all be discouraged from completing an request.

7. What Information Do I Need to Submit?

You will need to supply us with information such as your name and address, date of birth, phone number, banking information, social security number and so on. You must supply your social security number to gauge your eligibility. The banking information is so that the lender can deposit your loan proceeds and then withdraw your payments on the specified dates for convenience.

8. Do I Have to Have a Job?

You don't necessarily have to have a conventional 9-to-5 job, but you should have a reliable source of income. Some of the lenders may accept funds that come from self-employment, government assistance, disability, pension and so on as reliable forms of income. You can find out by completing an request and then connecting with lenders from the network.

9. How Long Do I Have to Repay the Advance?

Payday Cash Advance Loans and Personal Loan repayment periods vary depending on the lender, the state that you live in, your loan amount and other information. You will receive specific contracted terms from the lender. You won't receive a loan without getting the opportunity to review a contract and agree to or decline the terms, which include your repayment length.

10. What if I'm Late Making a Payment?

Late payments can result in late fees and inflated interest rates. It's best to pay your short-term loan payday or personal loan in a timely fashion. Of course, the lenders understand that things happen. Therefore, they may be willing to work with you if you call them ahead of time and let them know you're having difficulty. One option is to let them know at least 72 hours before your payment date that you will be late.

11. Is the payday loan be repaid in advance?

Yes, but before taking it out, discuss the terms and conditions with the financial specialist who handles the offer.

12. Can I have More Than One Advance?

Typically, lenders will only allow you to have one open loan at one time. This is to ensure that you repay the proceeds in a timely fashion. Instead of requesting two loans, you can try to request for the maximum amount on a single loan.

13. Can I Get a Second Loan Once I Repay?

Short-term lenders appreciate honorable transactions and are delighted to see their customers repay a loan. A number of lenders reward their established customers with additional loans after they pay their first ones. You may be able to get some perks, not guaranteed though, like a quick-app process or a reduction in interest or fees. Of course, those terms vary from lender to lender, and you will need to discuss those matters with the provider who contacts you.

14. How Do I Start the Loan Process?

You can start the loan process at any time by completing our quick online form at ExpressCash.com We are the Trusted Source for a Cash Loan.

Disclaimer: Any of the above-referenced suggestions are based on industry best practices and should be used for informational purposes only and not construed as legal advice. You should contact your attorney to obtain advice with respect to any particular issue or problem.