Online Loans

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When you are short of cash and face sudden expenses, you may do what many Americans do- look for online loans. Why? Because they are safe to get, extremely fast, and often the last resort to obtain short term cash for emergency situations.

What Are Online Loans?
While applying for an online loan, you need to make the same kind of request you would make to a bank or a credit card company. The world has moved online. Bills are paid online, banking is done online, businesses are operated online, and more than 50% of shopping is done online. More and more loans are now being requested and approved online.

An online loan is a short-term, small-dollar amount loan that is paid back within 1 month in most cases. They are often called cash advance loans or payday loans.

What Is the Best Online Loan?
The "best" online loan for you will be the one that fits your individual needs. More than 50% of all Americans cannot qualify for traditional loans like bank loans or even credit cards. If you find yourself in a similar situation, then the 'best' loan for you may be an online loan.

Can I Get an Online Loan Today?
Quite possibly! Some online lenders, like CashinaMoment, can offer fast loan funding either the next business day or the same day, depending on circumstances. If you need money fast and apply to us and receive approval before 10:00 am CT Monday through Friday, your direct lender may be able to get the money to you the same business day!

Are Online Loans Safe?
Today, more than ever, online loans are safe. Both state and federal regulations have made the process secure for all consumers. Make sure that your lender is licensed in the state where you live so that they follow all the state-mandated laws and guidelines for your safety. You can easily find your state's information about all lending laws on the appropriate state website.

What are the Benefits of Online Loans?
There are real advantages to getting online loans.

You don't waste time and gas money driving around looking for stores (which are becoming fewer and farther between),
It is very convenient,
It is very secure (we use the latest SSL encryption software to protect you),
It is quite easy and fast to apply,
Your odds of approval through referral sources like are much higher as we have more than 100 licensed, direct lenders,
You could receive an online loan of up to $1,000.
You can complete the online loan request process in just a few minutes on your next coffee break. Where else can you complete a loan request that is so fast and easy?

You can get an instant online loan request answer in seconds. You can complete the entire online loan application process with your laptop, desktop computer, smartphone, or tablet - 24 hours a day and 365 days a year.

When you apply for an online loan, you are anonymous. Any personal information is only seen by direct lenders reviewing your request, and all your information is encrypted for your safety. Keep in mind there is no truly instant online loan; it always takes a little time to review, go over T&Cs, and deposit the cash into your account.

What can I Expect from an Online Loan Service?
Most people want a process that is secure, fast, and convenient. Guess what? That is exactly what you get with online loans. You may be one of those who have concerns about their poor or bad credit. Good news! Despite bad credit scores, online loans are offered by online payday lenders.

Many people will qualify for online payday loans even with bad credit, whereas credit card companies and banks will not consider your request if you have poor credit scores.

Are Online Loans with No Credit Checks Possible?
This is a tricky subject with a lot of false information in circulation. You can get an online loan with no credit check as almost all online lenders do not do hard credit checks. Instead, they use database systems and focus on your current and future income. They do this because they know from experience that your income is the absolute best indicator of your ability to repay your loan. If you have more questions related to credit checks, then ask your direct lender. They will advise you of their processes.

Are Online Loans Better than Traditional Loans?
Online loans are easier, faster, and have many more lenders competing for your business. You can get online loans despite bad credit. Who wants to search, drive to apply at one location at a time, and wait weeks for an answer? Instead, you can request online loans right from your smartphone and apply to over 100 lenders at the same time.

Are Online Loans Secure?
Online loans are only as secure as the company offering them. If you want to be sure that your online loan is secure, look for these indications:

Check whether the website is using a secured internet connection. Look for a security symbol that resembles a lock next to the website's URL, or make sure the URL has the "s" as in https://.
The company must have a legitimate street address and phone number. You should avoid companies that only use a P.O. box for a mailing address.
Check the online reviews of the lender. The best indicator of an online lender's performance is what its customers are saying about it. Ignore the so-called 'scam report' sites as many of these fake reviews and try to get companies to pay them for removal. Their reviews are not legitimate in most cases.
Basic Requirements of Applying for an Online Loan
Though the minimum requirements vary, here are some basic requirements of applying for an online loan:

Be in your current job for 90 days,
Be 18 years of age or older and a permanent resident or citizen of the United States, and have I.D. to verify it,
Have a take-home salary of at least $1,000/month post taxes,
Have a current home (cell phone is acceptable) and work phone number and valid email address for communication with your lender,
Your odds of approval through referral sources like are much higher as we have more than 100 licensed, direct lenders,
You could receive an online loan of up to $1,000.
Some states limit or do not allow payday or cash advance loans, so check your state regulations if you are not sure (online state websites).

What Can You Use Your Online Loan for?
Anything you want, provided you are cautious. The best online loans are only intended for emergency situations and not for taking a trip or other less necessary expenses. The fees are higher than traditional loans and normally due on your next paycheck. If you cannot pay your loan on time, you will suffer additional fees and penalties and make it even harder to repay your loan. Use online loans only for emergencies.

A Practical Example:
Imagine you are on your way to work, and your car breaks down. You know you do not have the money for the repairs you need. Without your car, you can't get to work!

So, you go online and request an online payday loan, you get an instant loan decision (seconds, not weeks) from a direct lender. If approved (which 80% of people do), you get your loan, get your car fixed, and do not lose the income you need every week.

You repay your loan with your next paycheck. Maybe you only requested $200 to cover your emergency car repairs. You will most likely pay between $30 and $60 for the loan as many states have capped the fees payable at around $15 per $100 you borrow.

How Can You Apply for an Online Loan from CashinaMoment?
Easy, just go to our website, click on 'Get Started Now' and fill out the short, 1-page form. You will get an answer within 5 to 60 seconds in almost all cases after submitting your request.

FAQs - Online Loans
What Considerations Should Be Made for Online Loans?
Affordability: Make sure that taking out a loan is what you want to do. Make sure that you really can afford to make the repayments; only you can know whether you will be able to pay back or not. You have no obligations to accept a loan offer.

Loan Security: Take the time to read the small print of your loan agreement. If you don't take everything into consideration, you could be at risk of additional penalties and fees.

Fees and Interest Rates: Carefully check the fees your lender will charge you. You will know exactly what you owe based on the fees charged. Lenders can charge fees up to the maximum limits allowed in your state, and some states allow a range of fees. Make sure you know what you are being charged.

Borrow Little, Repay Quickly:Repay your loan as soon as you can, and make sure that you borrow only such amount that you need. Repaying your loan on time will keep you from stressing.

Does It Cost Anything to Use CashinaMoment?
You can fill a form free of cost and submit your information through our online system. We are a referral partner with more than 100 direct lenders. If a lender decides they would like to provide a loan to you, they will contact you directly within seconds after you submit your form. As a referral marketplace, we do not receive any information that can be used to evaluate or compare offers from potential lenders. You must carefully review any offer you receive from a lender to make sure it meets your needs. Make sure to understand the loan terms and conditions. Lenders are required by law to go over all terms and conditions before you accept a loan offer.

When Will I Know If My Payday Loan Request Is Approved?
Normally, you will know if your payday loan online request is approved within 5 to 60 seconds but no more than 90 seconds. If there is a short delay, stay on your phone, do not hang up, as you will lose your opportunity if you are approved. If for any reason, you are not approved, you will also be notified.

What Are the Terms And Details of My Loan?
Once you have been connected to a direct lender, they will provide you the terms and conditions of your loan offer. It should include the interest rate, dates for repayment, finance charges, and more. Different lenders offer different kinds of loans. Remember, you have a choice to accept or decline any loan offer. If you do not agree with the terms of the loan offer, decline the offer.

What Happens If I Am Late on a Payment or Do Not Pay the Loan Back (Default on the Loan)?
You do not want to be in this situation, but you do have options if this occurs. Contact your lender as soon as you realize you will not be able to make your payment. Most lenders will work with you to "rollover" the loan or extend it to meet your needs. However, there are additional fees for this process. Extending your loan is a costly option which should be avoided if possible. You are better off paying your loan on time and taking another loan than extending it.

If you default on your loan, your lender will likely refer your loan to a collection agency. Collection agencies can hound you for payment or settlement and take you to civil court to get a judgment. Avoid this situation if possible. Talk to your lender before this happens, as they may be able to adjust your terms to fit your current situation.

Can I Get a Payday Loan Without Going through a Credit Check?
Almost every payday lender does not do hard credit checks. However, we cannot guarantee that a credit check will never be made by any specific lender. As a referral source to over 100 lenders, we can't monitor every one of them. There is truly no such thing as a 'no credit check' loan. See the next question which is relevant to this one.

Can I Qualify for an Online Payday Loan with Bad Credit?
Bad credit may be an approval factor, but it does not prevent millions of people each year from getting an online payday loan. It is more important that you meet other criteria like having a steady job (at least 3 months) and an active bank account, etc. Everyday, people with bad credit receive the benefit of an emergency payday loan.

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