How It Works:
Even the best of us can get in to financial difficulties when faced with unforeseen expenses, it is simply a fact of life.
This can quickly become an emergency situation when a payment is due but your pay check is not for several weeks. The answer to this? UsCashUp.com! We help US citizens get cash advances online, with lender approval in as fast as 5 minutes and cash in your account in as soon as one business day. We believe that even those with bad credit deserve access to emergency funds, so lenders in our network will consider all applicants so long as they meet some basic requirements.
But What Is A Cash Advance?
A cash advance or payday loan is used to cover any emergency expenses that cannot wait until your next pay check, thus it is a short term commitment of usually no more than two weeks. The borrower is then required to pay the full amount back (with an added charge) in full. There are no instalments like a longer term personal loan.
The average cash advance is a few hundred dollars, and usually maxes out at $1,000. The maximum amount will personally be offered is at the discretion of the lender.
To be eligible to request a cash advance online there are a few simple requirements.
- You must be an adult, i.e. 18 years or older.
- You must be a US citizen with a fixed address.
- You must be employed or self employed, with a regular income of over $1000.
- You must have a checking account that we can deposit the loan in to and take repayment from.
Is There No Credit Check?
We perform no credit check, but the lenders in our network may do so. This is sometimes not with the big 3 bureaus and may not be the deciding factor in lender approval. Those with bad credit may still be approved, and all applications that meet the above requirements will be considered fairly.
One Simple Form
We use one simple online form that can be completed from your PC or mobile device within just a few minutes, and will then connect you to one of the lenders in our network. All we ask is for some basic information which the lender will then verify. This data is then securely sent through the system, using the latest encryption technology.
If you are in an emergency and looking for instant approval, you will be happy to know that you will be matched with a lender within just a few minutes and approved as fast as 5 minutes!
Once you have submitted your information and been approved by a lender, an offer will be made automatically. This will clearly outline the principal amount you could be issued, the finance charge added on top, and the date that when repayment would be taken.
Note that an offer is simply that, and offer, and you do not have to accept it. Before any agreement is binding you must go through a digital signature process that you must explicitly consent to.
You are free to walk away and return at any time to try again.
Cash As Fast As 24 Hours
If you accept an offer the cash advance will usually be deposited in to the bank account you shared during the application, within 24 hours. This excludes non-business days (weekends) and bank holidays.
At this point you are free to use the money at your own discretion, however the cash should only be used in a temporary financial situation that will be corrected by your next pay day.
Cash advances are not a solution to paying off other debts.
The no hassle repayment process means lenders will automatically withdraw the full principal plus the fee, on the date listed in the loan agreement. Gone are the days of having to write a check or logging in to your account to wire the money manually. Of course this also means the funds need to be there on the due date, so it's worth double checking a few days before.
If your pay check is delayed or the funds are not there for whatever reason, we advise you to contact the lender as soon as possible (preferably before the repayment date). Failing to make the repayment may result in interest being applied to the outstanding balance and possible other fees as well.
In some cases lenders may be able to extend the loan period or issue a second loan to give you more time, but this can depend on state law.
If you are clear on how the process works and are ready to take out a cash advance online, Get Started Now!
Our FAQ page has answers to further questions if you still have concerns.