Features

– Emergency expenses funding
– Credit card alternative
– Short-term
– Fast decision


Get cash

For a wide range of needs

Fast delivery

When you are in need

Credit card alternative

Control your budget

Apply online

Fast and simple

How can you spend it?

Can be used for a wide range of needs: including unexpected expenses, special events or anything else that requires extra funds

About


  • What is it?

    Short-term loan which can be used for different purposes. This type of loan can be secured or unsecured. Borrow limit differs from a lender.

    This can be a good alternative to a credit card. Usually without any grace period, but the cost of money is lower. You can borrow online or in your local credit store.

    Your credit score affects the interest rate, so if you are going to get some cash, check your credit score first.

  • How to borrow

    First of all, you should fit the basic requirements:

    • 18 Years or older.
    • Receiving direct deposit in an active checking account.
    • Has a steady source of income.
    • Has a valid phone number.

    Full requirements may vary from lenders and States. Most States also have their own laws regulating borrowing process and lenders. All lenders are regulated by the Consumer Financial Protection Bureau (CFPB) and must disclose the APR and finance charge in writing before a borrower signs the agreement.

    Some lenders can add extra fees like organization or prepayment fee.

  • How you can spend money

    Funds can be used for various purposes and will be very useful when unexpectable expenses appear. Unlike strictly defined study or auto loans you can choose the way to spend this money: Major Purchases, Home Improvements, medical Expenses, special occasion, maintenance & repair expenses or any other unexpected needs.

    Typical dollar amounts range from $250 to $40,000. Take into account that you will get money on short-term basis, so if you need some funds for a long-term you better choose other borrow options.

  • Some words about risks

    Low-interest rates and fixed payments are very convenient, but you must be attentive to the payment of a debt. If you don't make payments on time, in full, your credit score and finances will suffer. In common you should expect the following aftermath:

    • Your credit rating goes down - this means that next time it will be harder to borrow
    • You'll pay penalties - Some lenders charge you money when you miss a payment. In the worst case, this increases your debt and makes it even harder to pay back - full penalty details should be specified in the credit agreement.
    • Aggressive collection agents call - Lenders can sell defaulted loans to collectors.
    • Liens on your assets - some lenders may be able to put a lien on your assets or your income.