About Our Services

Americash.com is here to help you find a payday loan lender. We present your completed application to our vast network of lenders in order to find a lender that is most likely to approve your loan. By searching for a payday loan through Americash.com, you can be sure that your application has been reviewed by the leaders in the payday loan industry.

Americash.com is a lending network, NOT a lender. Our service is completely free and all payment terms are between you and the lender. Each lender has different loan terms, such as the loan amount, the APR for the loan, repayment schedules, etc.

After submitting your information, we help in matching you with a lender and redirect to the lender's web site where you will be able to review and agree to the terms and conditions of the loan.

Frequently Asked Questions (FAQ): Online Payday Loans

What is an online payday loan?

A payday loan is a small unsecured loan, usually for $100 to $1,000, which is designed to meet your financial needs until your next payday. Essentially, you are making out a check for the advanced loan amount, plus a fee, to be held until your next payday.

Payday loans are also known as cash advance, short term loans, payday advances, cash loans, fast cash, fast loans, bad credit loans, deferred deposit, and a number of other things. No matter what you call them, payday loans can get you through your financial crisis.

How does an online payday loan work?

Simply complete the online application and submit it from our web site and we will attempt to connect you to an online lender within seconds.

If you are matched with a lender, you may be required to electronically sign and agree to the terms of the loan. However, there is no obligation to accept the loan. If you are not satisfied with the terms of the loan, simply do not sign it, and apply again to find a different lender.

Typically the proceeds of your loan will be electronically deposited into your bank account by the lender the next business day. You will typically have the ability to choose the payment option that works best for you. All payments are processed by your lender by electronic transfer from your bank account.

What are the requirements for an online payday loan?

Must be at least 18 years of age.

Currently employed or another steady source of income.

Active checking account preferred or savings account with a routing number provided by your bank.

To be approved for a loan, you need to meet the requirements of the specific lender with who is requesting your information. The lender will evaluate your application and determine whether you are eligible based on its own set of approval criteria. Factors such as income, direct deposit of your pay, past payday loan history and state of residence, may affect the approval of your loan.

If your application is accepted by a lender, your assigned lender may contact you directly and ask for additional information in order to approve your separate loan application. Payday lenders use exclusive criteria to evaluate applicants and will approve your loan when your application matches their criteria.

In order to increase your chances of getting matched with a lender and ultimately approved for a loan, please be sure to fill out our application with honest verifiable information. For example, entering a cell phone number instead of a home phone makes it more difficult to verify your information and many lenders will not accept applications that cannot be verified. We do our best to find a lender for you, but unfortunately there's no guarantee that your loan application will be accepted.

What if I do not get approved for an online payday loan?

Americash.com works with a vast network of payday loan lenders; however, we cannot guarantee that you will receive the loan you need. We do our best to match your application with a lender likely to provide you with a loan. However, payday lenders use exclusive criteria to evaluate applicants and may not approve all accepted applicants.

Americash.com is not involved in the loan approval process and therefore we do not have knowledge of the status of your loan. Please contact your lender directly for loan approval status.

If you do not get approved for a loan with the lender you were assigned to, you may re-apply by going to the "Returning Customers" link on this website. We will attempt to match you with another lender.

What if my application is not matched with a lender?

Americash.com assists in the process of matching you with a vast network of payday loan lenders; however, we cannot guarantee that we can find a lender for you. If you are not matched with a lender, here are a few suggestions to improve your chances if you chose to re-apply:

Time of Day: Many lenders do not accept applications outside of normal business hours. You may want to re-apply during regular business hours - Monday through Friday 8 AM to 5 PM EST.
Direct Deposit: Many lenders favor customers whose paycheck is directly deposited into their bank account by their employers. If you do not have direct deposit, please ask your employer to enroll you in their direct deposit program and then come back and re-apply.
Outstanding Payday Loans: Many lenders will not issue payday loans if you have too many current loans outstanding. Once you have paid off your other loans, come back and re-apply.

How much can I borrow from an online payday lender?

Each lender offers different loan amounts, and the amount you may receive may depend upon the information that you provide to us on the application. Your lender may offer you a smaller loan until you establish a payment history with them. Maximum loan amount depends on the state and your lender. Review your lender's terms and conditions and review your lenders documentation and/or terms and conditions

What are the loan fees for an online payday loan?

Fees vary depending on which lender you are matched with. Review your lender's terms and conditions and review your lenders documentation and/or terms and conditions.

How long do I have to pay back my online payday loan?

Generally your loan is due on your next payroll date or the date you have established with your lender.

What happens if I can't pay back my online payday loan?

Review your lender's terms and conditions and review your lenders documentation and/or terms and conditions. Contact your lender immediately if you need to look at payment options.

I still have questions. How can I contact a representative?

Send us an email with your questions and concerns to: contact@americash.com