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Online Payday Loans Information


CashOne is an online payday loan service that ensures that you have access to fast and convenient loans. Following are some of the common Frequently Asked Questions about our convenient online payday loan service.

  • What is a payday loan
    A payday loan is an unsecured short term loan taken between paydays and normally paid back on your next payday.
  • What can I use my loan for?
    You are free to use the loan for any purpose.
  • What is the cost for a payday loan?
    Online payday loan service charges vary from state to state and between lenders. Rates change frequently. Be sure to check with your loan representative about your loan rates and what your specific fees will be as well as all other terms and conditions of your loan. CashOne is not a lender. All questions about your loan should be directed to your lender.
  • How much can I borrow?
    Each lender is different, but credit limits are usually determined by your income and existing open loans at other lenders.
  • What if I have poor credit?
    Our online payday loan service offers convenient loans to people who have had past credit problems. In order to find out if you are eligible for a payday loan from CashOne , fill out our online application form.
  • How do I Apply?
    All you have to do is fill out the CashOne Application available on this website.
  • How long does it take to be approved?
    That depends on several factors. Normally you will receive a response from a suitable CashOne lender within minutes after you submit your application. It is common to have your approval within 5 minutes.
  • How will I know if my loan has been approved?
    You will be informed via the internet, email, or phone from your lender. Not all applications are approved by a lender.
  • What are requirements for approval?
    • be at least 18 years old and a U.S. citizen
    • be employed and had your current job for at least 90 days, some lenders require 180 days in your current job.
    • net income (after taxes) will vary by lender but is often a minimum of at least $1,200 - $1,400 per month
    • have a checking or savings account at a bank or credit union
    • have a current telephone number and valid email address
  • What documents may I need to supply?
    • recent paycheck stub(s)
    • recent bank statement(s)
    • VOID personal check, if available
    • current utility bill with your name and address
    • valid state issued driver's license or identification card
    • valid social security card
  • How do I repay the loan?
    This depends on the lender. Normally, you repay the loan via ACH electronic funds transfer (EFT) from your bank checking account. Under certain circumstances, payments can be made with a debit card, cashiers checks or money order. Ask your lender for details.
  • How soon can I receive the cash?
    This depends on the lender. Some offer Same-Day wire or mobile wallet service. Most offer Next-Day ACH bank electronic funds transfers.
  • Can I pay off my loan early?
    Yes, most lenders recommend paying any payday loan off as quickly as possible in order to minimize the finance fees and overall cost. 
  • Can I make partial payments anytime?
    Yes, most lenders allow partial payments at anytime prior to maturity in increments of at least $5.00 on the principal balance without incurring additional charges. Make sure you ask your lender about their payment options.
  • How many payday loans can I have outstanding?
    Most lenders only allow one loan at a time.
  • What if I can't pay the loan on the due date?
    If for any reason you can't pay off your loan on your due date, you should immediately contact your lender. Some, but not all offer extended payment plans for emergency situations.
  • What is a payday loan extension?
    While it’s always best to repay your payday loan in full on your due date, sometimes you may not be able to. An extension allows you to extend full and final payment to your next payday. Normally you will be required to make a partial payment that includes interest and some principal pay down. Ask your lender for details.
  • What if I change my mind and want to rescind my loan?
    Most lenders allow you to rescind your loan if you change your mind within 24 hours of initiating your loan. For specific details contact your lender. 
  • Is my loan confidential and information secure?
    We never disclose information about you or your loan to anyone, except in accordance with our Privacy Policy and Terms of Use. Remember that the CashOne loan application process is secure, and all information you submit to us is encrypted in order to protect your privacy. We maintain physical, electronic, and procedural safeguards to protect any information we have about you. A personal username and a password are also required to access your account. For more on security of your CashOne loan, please refer to our Privacy Policy and Terms of Use.
  • What about late payments?
    Late payments of loans may result in additional fees or collection activities, or both. Each Lender has their own terms and conditions, please review their policies for further information. Contact your lender with any questions.
  • What happens if I don't repay my loan?
    Late payments of loans may result in additional fees or collection activities, or both. Each Lender has their own terms and conditions, please review their policies for further information. Contact your lender with any questions.
  • Can lenders renew or extend existing credit?
    Every Lender has its own renewal policy, which may differ from Lender to Lender. Please review your Lender's renewal and credit policies.
  • Are there standards you comply with?
    We comply with all applicable federal law and Responsible Lending Policy as well as the Online Lenders Association (OLA) standards and guidelines.