What if I change my mind after taking out a loan?

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.

  • Nevada, California, Idaho, Delaware, Utah, and Missouri Residents – You may cancel or rescind your loan agreement, with no additional charges and at no cost, by returning the full loan amount to lender before midnight (by 11:59 pm Pacific Time) of the business day following the date the loan agreement is executed.
  • Texas Residents – You may cancel your agreement or rescind future payment obligations without cost or finance charges, by returning the full loan amount to lender no later than before midnight (by 11:59 pm Central Time) of the third business day immediately following the date on which the loan agreement is executed.
  • Wisconsin Residents- You may rescind or cancel your loan agreement with no cost to you and without finance charges, by returning the full loan amount to lender before midnight (11:59 pm Pacific Time) of the third business day immediately following the date on which the loan agreement is executed.

* 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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