How long is my loan term?

Loan terms vary by state and product and are subject to approval. In general, the following loan terms will apply in your state:

  • Delaware Residents – Loan terms range between 120 days and 180 days.
  • Idaho Residents- Loan terms range between 120 days and 180 days.
  • Missouri Residents – Loan terms range between 120 days and 18 months.
  • Nevada Residents – Your Payday Loan term cannot exceed 35 days. Your Installment Loan term cannot exceed 90 days.
  • Texas Residents – Your Payday Loan term cannot exceed 45 days. Your Installment Loan term cannot exceed 180 days.
  • Utah Residents – Loan terms typically range between 120 days and 180 days.
  • Wisconsin Residents – Loan terms range between 120 days and 18 months.

* Loan funding times and loan amounts are subject to eligibility. Not all applications are approved. Cash Factory USA is not a lender in all states, and loan approvals and amounts are subject to qualification criteria and applicable state laws. If approved before 9 am PT on a business day, funds are generally deposited via ACH the same day or, if approved before 5:15 pm PT, the next business day.  Some applications may require additional verification to qualify, which could delay funding. See Rates & Terms for your state or call us at 855-374-5626 for more details.

Cash Factory USA may use application information, loan history, and various credit reports as part of their underwriting. TX residents: Cash Factory USA operates as a Credit Access Business, arranging a loan between you and a third party. See Licenses & Registrations for additional information. Short-term loans are not intended to be long-term financial solutions. Customers with credit difficulties should seek credit counseling. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive.

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