Online Payday Request Form
- After you have submitted the request form, we immediately get to work to present your payday loan request to our eligible lenders. If your request is accepted, you will be directly connected to your lender, usually within 90 seconds or less. Please do not stop this process or hit the ‘back’ button. If this process is successfully completed, you can get the cash deposited to your account as little as in 1 business day.
- Please fill the request form with accurate information for faster approval of your payday cash advance request. You will be required to provide basic information: Personal (phone number, valid DL number or state ID number, home address, and email address), Income (pay cycle, income type, income amount), and Banking (checking account number and routing number).
Online Data Security
We use a strong SSL encryption for a secured loan request process and maintain technical, physical, and admin security measures to protect and greatly limit access to your information. Please use an updated version of any browser, including Google Chrome, Firefox, Internet Explorer, etc., for ensuring high-end security of your personal ID and data.
Online Cash Advance Eligibility
Our third-party lenders usually do not require any soft or hard credit checks before lending online cash advances; however, you should ensure that you meet the following basic requirements for speedy loan approval:
- A Steady Income: Regular pay checks and at least six months in your current job.
- Active Bank Account: You will need to provide an active bank account number to enable a quick cash deposit and repayment.
- Age and Residence: You must be a legal or permanent resident of the U.S. and at least 18 years of age. In some states, the minimum age limit is 21.
- Social Security Recipients Are Eligible: SSI recipients are also eligible for payday loans via CashOne, as long as they provide proof of their SSI income, and a valid photo ID, and other general requirements, like age and active bank account.
A General Guideline for Quick Funding of Your Payday Loan
Listed below are some sample deposit information. Not all lenders may be able to meet this guideline. Therefore, be sure to ask your lender exactly when your loan will be deposited into your checking account.
- Mon to Friday by 11:30 A.M: Online payday loan requests made by 11:30 A.M. are usually funded by 5-6 P.M. the same business day.
- Monday to Friday After 11:30 A.M: Loan requests made after 11:30 A.M. means a cash deposit the next business day.
- Saturday & Sunday at Any Time: Online cash advance requests made on Sat-Sun are usually funded the next business day by 6 P.M.
- US Holidays: Payday advance requests made on holidays in the US usually take an extra 24 hours to get funded by 6 P.M. the next business day.
Payday Loan Amount & the APR
- Our lenders offer online payday loans from $100 up to $1,000 until your next paycheck, or in some states, for up to 30 days. However, the maximum loan amount and the payday loan interest rate (aka, the Annual Percentage Rate) differ from state-to-state. Please check your eligibility based on your residence state before applying.
- Check our online payday loan calculator before applying to get an estimate of the total loan cost and APR(%).
As explained earlier, bad credit scores are OK, as our lenders usually do not require any sort of credit checks for lending. Instead, they use their own risk assessment tools to determine your eligibility. That's why you should always complete your online request form with accurate details.
Repayment of Your Payday Loan
- Please provide an email address that you actively use as lenders will be sending you payback reminders on it that will contain the following information: loan balance, due date, and payment options. To ensure that you receive this payment reminder, make sure you provide the correct email address and that emails are not SPAM blocked. However, not all lenders will offer you this option. Ask your lender about how they will contact you.
- Most lenders are automatically setup for Full Payment on your scheduled due date, and the amount is automatically withdrawn from your bank account via electronic funds transfer (EFT) on that date. However, you can request for an extension or early payment, but these loan repayment options vary from lender-to-lender.
- Keep the amount available in your provided bank account number on the repayment due date, to avoid any penalty or fee charges.
Payday Loan Regulations
We encourage a completely transparent and trustful environment for payday loan services; that's why we recommend to always check the regulatory guidelines for payday loans in your state. See how your state conducts online payday loans.
Common Uses of Payday Loans
People commonly resort to short-term, online payday advances when they have credit issues or unexpected bills to pay, and when they can’t get fast cash from larger financial institutions because of circumstances, including a poor credit score.
Most commonly, people take payday loans for meeting expenses related to major expenses, car emergencies, maintenance and repair, unexpected medical bills, replacing appliances, utility expenses, special occasions, and so on.
Online payday loans are a quick fix to your short-term financial emergencies. With CashOne, we make it all very quick, easy, and secure.
*Guarantee of loan approval depends on lenders’ understanding of the applicant’s qualifications gathered through the loan request details and other tools that they often use for risk assessment. Our third-party lenders do not perform a regular credit check to determine the eligibility of an applicant.
**Applications approved on weekdays are funded the next business day. This excludes weekends, holidays, and non-banking days.