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More Information

What is a Payday Loan or Cash Advance?

A payday loan or cash advance is a small loan, typically between $100-$1000, that can be used to help your unexpected expenses such as car repairs, household emergency repairs, urgent bill payments, or other financial emergencies. Payday loans can be a great short-term source of emergency cash, but need to be repaid when you get your next paycheck. Payday loans are therefore often referred to as cash advance loans.

How Much Will The Loan Cost?

The cost of the loan and APR depends on information in your application. The terms are disclosed in the application process when you are directed to the lender's loan agreement.

The APR range for our lenders is typically 260.71% to 1825% APR. The APR range is not your finance charge. You will find out your finance charge later in the process. Also keep in mind that APR depends on how much you want to borrow and how quickly you want to repay. If you want a small loan with a quick payoff, our lenders will not be able to provide you loans with APR's at the lower end of this range. This is an expensive form of credit and should only be used for urgent financial needs.

A representative example: With a minimum 14 day loan term (regardless of early loan payoff), we estimate that the fees and finance charges offered by members of our lending network range from $12 per $100 borrowed each 14 days (two weeks) up to $30 per $100 borrowed each 14 days (two weeks). The corresponding Annual Percentage Rate (APR) for this estimated range would be between 391.07% and 782.14%.

Will Payday Loan Companies do Credit Checks on Customers Looking For Cash Advances?

Companies that offer payday loans and cash advances with the three major credit reporting bureaus (Experian, Equifax, and Trans Union) on customers looking for cash advances. That’s why customers with bad credit are often able to turn to payday loan companies when they need emergency cash in between paychecks. However, loan review procedures vary by company, and some payday loan companies DO review a customer’s information in national databases that track consumer lending transactions, such as Teletrack, DP Bureau, or DataX, using an applicant’s social security number.

How Soon Can a Payday Loan or Cash Advance be Made Available?

The time it takes to process a payday loan and transfer or ACH funds into a customer’s account varies with each payday loan company, and also depends on the financial institution where the customer has their bank account, but approved applicants can often receive their payday loan within one full business day after approval.

When Does The Payday Loan or Cash Advance Need to be Repaid? What Happens if a Customer Can't Repay The Loan on Time?

Repayment terms, including dates for repayment and any fees chargeable in the event of rollover (i.e. late repayment), vary for each company that offers payday loans, and it is essential that an applicant review all of these terms and conditions, before entering into a payday loan agreement.

What Happens if You do Not Pay (Implications of Non-Payment)

Late/Partial Payments: If you do not pay the full amount of principal and interest by the agreed-upon payment date, you will likely be charged a new finance charge and payment date may be extended until your next pay date. This new finance charge may be a flat fee, or may be calculated by applying the proportionate amount of the finance charge to the unpaid loan amount. Review the late payment policy detailed in the loan documents provided to you by your lender before signing your e-signature, and thereby agreeing to the loan terms.

Non-Payment: cashcorner.org does not enforce payment. If you do not pay, your matched lender may take legal action against you. Additional fees may apply to you in the event that you are unable to repay your loan. Information regarding your payment history, delinquency or defaults on the account may be reported to a third party consumer reporting agency and may impact your credit rating.

Loan Renewals: cashcorner.org will not provide a renewal for you. Your lender has renewal policies which will vary. With every extension or renewal, a new finance charge ("Extension Fee") may be assessed by the lender, and the re-payment date may be extended until the borrower's next pay date. The finance charges can be significant depending on the lender

Collection Practices: Collections practices of lenders and/or any assignee(s) will be in accordance with the principles of any applicable federal regulations at all times. Lenders may attempt to contact borrowers via one or more authorized methods, including phone calls and emails, to arrange for payment.

Impact to Credit Score: Your lender may report late or missed payments to the credit bureaus. This can negatively affect your credit store. Consumers with credit difficulties should seek credit counseling.

What Services Are Provided by The Operator of This Website?

The operator of this website is NOT a lender, and we do not make credit or loan decisions. We provide a cash advance and payday loan online referral service on our website. If a customer is looking for a cash advance or payday loan online, we help connect them with a network of companies who offer payday loans and cash advances. Our website features a secure application requesting information that lenders within our cash advance and payday loan referral network will use to decide whether they want to offer a customer a cash advance or payday loan. The information that they need in order to make cash advance or payday loan decisions about each customer includes name, address, home and work phone numbers, and email address. They also need a customer’s birth date and social security number to comply with the US Patriot Act.

The operator of this website can be reached by mail at cashcorner.org, 6709 W 119th St #338 Overland Park, KS 66209, or by email at affiliateroi@hotmail.com. Customers can contact us if they want to discontinue using our loan referral service, or to change their communication preferences. Any questions about cash advance or payday loan amounts should be directed to the company from which a customer obtained his or her cash advance or payday loan.

What to Expect When Applying For a Payday Loan or Cash Advance Online:

The operator of this website provides a referral service for customers looking for payday loans or cash advances online. We do not make decisions about whether to offer any specific customer a payday loan or cash advance – instead, we connect customers who have filled out our secure online application with our network of companies who offer payday loans and cash advances. Not all lenders can provide up to $1000.

After a user of this website submits his or her information onto the secure online application forms, the companies in our network that offer online payday loans and cash advances will review the user’s information and decide whether or not to offer the user a payday loan or cash advance. The secure online review process usually takes only a few seconds, and if one of the companies in our network decides that they want to offer the user a payday loan or cash advance, then that company will either contact the customer directly to offer him or her a cash advance or payday loan, or the customer will be immediately redirected to the website of the loan company. If that happens, the customer should make sure to carefully review all of the terms about the cash advance or payday loan before deciding whether or not to enter into a loan or credit agreement, especially since loan terms and conditions (including fees, APRs, and repayment) can vary by company. A user of this website is under NO obligation to enter into a payday loan or cash advance agreement with any lender, and if a user of this website is contacted by a payday loan company and offered a loan, the user is free to accept or decline any such offered loan at that time.

What Are The Codes of Practice And Policies on Responsible Lending?

It is important to review the codes of practice and policies on responsible lending of a specific payday loan company, before entering into a payday loan or cash advance agreement. These codes and policies might be different for each company that offers payday loans or cash advances, but representative general requirements of payday loan companies may include:

  • Monthly income equal to or exceeding $750.00
  • Current, valid home and work phone numbers
  • Current employment for at least 4 weeks
  • Current bank account in applicant's name

What Are The Renewal Policies?

Renewal policies vary for each company that offers payday loans and cash advances, and it is essential to review these policies and terms.