What is a Credit Services Organization (CSO) and Credit Access Business (CAB)?

A Credit Services Organization (“CSO”) and/or Credit Access Business (“CAB”) are persons or companies licensed to earn compensation by, among other things, helping consumers obtain loans from unaffiliated third-party lenders. CSOs and CABs are not themselves lenders and do not make loans directly to consumers.

* 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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