I Cash Loans · $100 - $1000 Loans · Available 24/7 · Easy Online Form at ICashLoans · Lender-Approval in Minutes · Cash as Soon as Tomorrow · All Credit Types Welcome
How It Works
Requesting a loan is easy with icashloans.com. Fill out one easy form on icashloans.com and your inquiry will be submitted to our large network of lenders. Loan amounts range from $100 to $5,000 (exact amounts vary based on lender programs and your state of residence). You can have a response from one of our lenders the same day, and often within minutes. Once your loan is approved, you will be redirected to the lender's website where you can review the terms of the loan, including details about all the applicable rates and fees. If you accept these terms, the lender will deposit money directly into your bank account as quickly as the next day.
Most lenders have the following requirements to be approved:
To be accepted by most lenders in our network, you should:
- Be employed at your present job for at least 90 days.
- Be a US citizen or a permanent resident, and over the age of 18.
- Have an income of around $1,000 per month after tax deductions.
- Have a checking account in your name.
- Provide a working telephone number for your home and work.
- Provide a valid email address.
Quick Inquiry Process
Through our secure technology, we will find a lender in our network that is willing to take work with you based on the information you submit. Once we have a lender ready to work with you, that lender will contact you to get any additional information they might need (such as verification of employment, pay stubs, etc.).
Cash Sent Directly to You
After your lender has taken and approved your request, cash will be deposited directly into your bank account. That means you don’t have to take a trip to the bank to endorse and deposit a check or pay check-cashing fees.
Private and Secure
We use industry-recognized security and advanced encryption technology to protect your personal information.
If you authorize your lender to take payment via automatic withdrawals (known as "ACH transfers"), then your loan payments will be paid automatically directly from your bank account. This means each payment will be on time and you won’t have to worry about missing any payments or incurring any late fees.
Late payment policies can differ among lenders. Please make sure you read and understand the loan agreement and your lender’s late payment policy before accepting the loan. In some states, late fees may be limited by law. In other states, late payments may allow the lender to charge late fees and may accelerate the loan making it due in full immediately. NOTE: Before agreeing to a loan, please make sure you can make your loan payments in full and on time. We support the responsible use of loans and recognize that nobody knows your situation better than you.
State law may limit or prohibit a lender’s ability to extend or "roll over" your loan. Consult with your lender if you need a loan extension.
If you can’t make your loan payments on time, you may be in default of your loan obligations. Late payments and loan defaults may adversely affect your credit and may make it difficult to obtain future loans.
Why Choose Us?
For years, we have been a resource for connecting consumers with our partnered lenders. We know there are several ways to obtain a loan. However, here are a few reasons why you should consider our service to connect with a lender:
Our service is fast. We may be able to connect you with a lender to offer you a loan as soon as the next business day. The next step is to complete the request form so we can speedily connect you with a lender that is ready to work with you.
We protect and secure your personal information. A number of websites claim to offer some sort of quick service to connect you with lenders, but be careful! Some websites are actually designed to infect your computer with viruses and malware that steals sensitive information like your bank account number. Be aware of unsecured websites making false claims about their security technology. Also, be cautious if you see a website with all the security logos on display but without linking to the security provider’s certification page. Giving your personal information to these websites can make you an easy target for hackers and thieves.
Avoid long lines and having to get out of the house to connect with a lender. You can fill out our online form from the convenience of your home. We partner with many lenders, therefore, getting connected with one of them is convenient as 1, 2, 3. Our online form serves as a connecting service to connect you with one of them.
What is a personal loan?
Personal loans might be called different things, but they’re all designed to provide you with temporary financial relief.
Who can qualify for a personal loan?
Most lenders require you to:
- Be employed in your current position for approximately 90 days or have another source of adequate and predicable income;
- Be at least 18 years old, and a US citizen or a permanent resident;
- Have an income of approximately $1,000 per month after tax withholdings; and
- Have a valid email address, work phone number and home phone number.
How much can I borrow?
The amount a lender is willing to give you depends on how the lender evaluates a number of factors, including your state of residence and applicable legal restrictions (loans are not available in all states). Many lenders in our network will loan between $100 and $5,000.
How will I receive the loan money?
Once the lender approves your loan and you accept the loan terms, your loan will be deposited directly in your bank account, usually as soon as the next day.
If I have bankruptcy or bad credit, can I still get a loan?
Personal loans generally are offered for people with good credit, although each lender has its own underwriting policies. An alternative for those with bad credit may be to seek a short-term consumer loan. If we cannot find a lender that can offer you a personal loan for the amount you requested, we will search our network of short term lenders to see if we can find a short-term lender for you.
How long does the process take?
It should only take a few minutes to complete our secure online form. After we receive your information, we immediately start looking for a lender that is willing to work with you. You should have a response from one of our lenders within minutes. Final approval and funding is often done in as little as 24 to 48 hours.
Will I need a printer or fax machine?
Some lenders will ask for your permission to access your information such as bank statements or income verification online, saving you from having to fax or email copies of those documents. However, your lender might need you to fax or email a copy of your bank statement, paycheck stubs or other information. If you do not have access to a scanner or printer, consider visiting Office Max, Kinkos or another office service provider. You should also have access to a printer so you can print a copy of your loan agreement. If you have questions after your loan is funded, you will need your lender’s contact information!
What is the cost of a short term consumer loan
There is no cost to use icashloans.com’s marketplace service. The actual cost of your loan may vary by lender. You will be provided information on the rates and fees before you accept the loan. Personal loans are not designed as long term financial solutions but are often less costly than late charges, NSF fees or reconnect fees for overdue utilities. Please only accept a loan if you believe you have the ability to repay it.
If I already have an outstanding cash advance loan is it possible to get a new one?
You may be allowed to secure more than one personal loan at any given time, but this will depend on your state’s laws as well as your lender’s practices. If you have an outstanding personal loan or other personal loan, you should let your new lender know about it before you accept a new loan.
When and how do I repay my loan?
If you have selected the convenient and secure ACH payment option, your loan payment will be withdrawn from your bank account on its due date. This option is designed for convenience and helps you avoid potential late fees or default! If you need an extension on your loan, please contact your lender before you miss a payment (additional fees may be involved).
What happens if I’m late with a payment?
Each lender has its own late payment policy and fees. Check your loan documents for details or contact your lender directly. Some states may regulate or limit late fees.
How is my private information protected
When can I get another loan?
You can use our service to get a new loan at any time (subject, of course, to state law restrictions). If you have recently taken out another personal loan that is still outstanding, please inform your new lender before accepting a new loan.
Is an extension possible on repaying my loan, and how many extensions can I get?
The rules on extensions or "rollovers" varies among lenders and also may be regulated by state law. Some states allow for multiple rollovers while others do not allow it at all. If you need an extension on your loan, make sure to contact your lender before you miss any payments. Most lenders will work with you to help you avoid missing payments or defaulting on your loan.