A Short-Term Loan is small dollar loan (sometimes called a payday or deferred deposit loan) usually between $100-$1000 (depending on income and state laws) that is designed to help you pay for immediate or emergency expenses. The loan balance is usually repaid on your next payday. Please note, these types of loans should only be used for short-term financial needs, not as a long-term solution to financial problems.
An Installment Loan is a multi-payment loan which allows you to repay the loan in scheduled equal payment amounts (the last payment may vary slightly). The number of installment payments required to repay your loan depends on the frequency of your income (for example, bi-weekly, monthly). Please note, these types of loans should only be used for short-term financial needs, not as a long-term solution to financial problems.
If you are a new customer, you will need to click here and fill out our online application. You will be notified within a few seconds if your application has been pre-approved after you submit your information for review. If you are a returning customer, please click here to take advantage of our quick application.
Approval amounts are determined by the information provided on your application, state restrictions, and your income.
Yes, but we do not use traditional credit bureau reports. We only run credit checks using specialized credit bureaus, so your credit scores will not be affected, nor will our inquiry show up on your credit history with the traditional credit reporting agencies. Instead, we utilize various consumer databases to verify your identity and review your past short-term loan history.
Generally, your loan payments will be scheduled to occur on when you are paid. You will have an opportunity to review your payment schedule prior to finalizing your Loan Agreement with us.
Depending on your state, you may be eligible to extend or refinance your Short-Term Loan. Please note that extensions are not applicable to Installment Loans.
If all information is received by 4:30 p.m. PST and can be verified, you will generally receive your money on the next business day. In some cases, same day funding may be available. Please ask one of our friendly representatives if you have any questions regarding the timing of when your loan will be funded.
Within seconds of submitting your application, you will receive a notice indicating whether you have been pre-approved for a loan.
Each state regulates the fees and interest that can be charged by Cash Factory USA or third-party lenders (for Texas residents). You can visit our Rates page for a loan cost and payment schedule example specific to your state.
Subject to approval, you may receive another loan once your existing loan is paid in full. If you seek another loan within three (3) business days or less from the date you paid off your previous loan, we are required to confirm that your previous loan was paid in full, which may be completed by providing us with a bank statement showing proof of a cleared payment.
A borrower may rescind a loan without any cost for any reason. A request to cancel must be in writing. Please review your loan agreement for specific instructions.
Yes, you may pay your loan off early without any pre-payment penalty or fee. Additional terms may apply to prepayment(s) of your loan depending on which state you live in. Please see your Loan Agreement for additional details regarding your specific prepayment options.
Late payment or non-payment of your loan could result in additional fees or collection activity or both. However, Cash Factory USA is committed to working with you to establish payment arrangements to meet your budget. All of our collection activity is conducted in a professional, fair and lawful manner.
Yes, you are required to sign a new Short-Term Loan agreement by 4:30 PM PST the day before your due date. If you do not sign the new Loan Agreement, the FULL amount due will be deducted from your bank account in accordance with the Loan Agreement on file with us. A new Loan Agreement will need to be signed before we can process your extension payment.
To do this, just click on "Login" at the top right corner of our website: www.cashfactoryusa.com.
If you have forgotten your password, you can request a password reset either by following the instructions on our website or by calling 1-855-374-5626 to request a password reset. If you are able to log into your account on our website, you can change your password yourself by logging in and clicking on "Change Password".
To change your bank account information, please contact customer service at 1-855-374-5626.
The Automated Clearing House (“ACH”) is an electronic network for financial transactions in the United States. An ACH payment is an electronic debit you authorize Cash Factory USA to withdraw from your bank account to make your payment of interest, principal or both on your loan.
Cash Factory USA is located in Las Vegas, Nevada. You may visit our Storefront location at 6965 S. Rainbow Blvd Suite 130 Las Vegas, NV 89118.
Cash Factory USA's Call Center Hours of Operations are Monday-Friday: 6AM to 7PM PST; Saturday-Sunday: 6AM to 6PM PST. Our phone number is 855-374-5626; to reach support representatives, please email : firstname.lastname@example.org; and to fax us any inquiry you may have, please use our fax number: 888-400-7552.
Cash Factory USA actively supports laws, regulations and industry best practices that protect consumers and preserver access to credit. Cash Factory USA is also a member of the Community Financial Services Association of America (CFSA), which requires all members to be state licensed and adhere to CFSA’s industry-leading best practices. For more information about CFSA, please visit: https://www.cfsaa.com/consumers
A Credit Services Organization (“CSO”) and/or Credit Access Business (“CAB”) are licensed companies that earn compensation by, among other things, helping consumers obtain loans from unaffiliated third-party lenders. CSOs and CABs are not lenders and do not make loans.