CashToday.com Can Help You Obtain Quick Money
It’s easy to occasionally find yourself unprepared to handle an urgent required financial expenditure, one that just can’t wait. When you’re in a position where you’ve got to, say, quickly pay for emergency medical care or cover a critical household bill and you just don’t have the funds on hand, it can be stressful and even potentially unsafe. Should such a situation arise for you, however, there’s really no need to fret — CashToday.com can rapidly come to the rescue!
Unlike banks, we and our affiliate lenders work fast to get funds into your hands. Upon your submitting a brief online loan request form, we can process your request within minutes and then put you through to a lender with an offer for you. Then, simply complete the rest of the application process with your lender and in as little as one business day get the money you need to handle the pressing matter at hand.
You don’t need to have stellar credit to get speedy loan assistance through us, and in fact we only have a few eligibility requirements for prospective borrowers to meet. They are as follows:
- Be at least 18 years old.
- Be either a U.S. citizen or legal resident.
- Earn at least $1,000/month after taxes.
- Have a checking account.
- Possess a valid email address and valid phone number.
So if the clock is ticking and you need to get ahold of funds in a hurry, don’t hesitate another second! Let CashToday.com connect you with a lender today so you can breathe easier tomorrow.
APR – Representative Range Explanation
The annualized interest rate you’re charged on an online cash loan is called the APR, which stands for annual percentage rate. CashToday.com isn’t a lender, so it doesn’t disburse loans; however, it does connect consumers with lenders who can provide quick money loans to them. CashToday.com doesn’t charge any fees at all for this connecting service. Since CashToday.com does not function as a lender, it can’t let you know the specific APR that will be connected to your loan. It is important for you to understand that APRs can vary quite a bit based on the information included by you in your online loan request and the information that your lender provides you with.
You will receive details from your lender with regard to the APR, finance charges and other applicable loan terms when you get redirected to the loan agreement during the online loan request process. If you require help with any CashToday.com-related services, please don’t hesitate to contact us.The APR for an online cash loan can range from 240 to 2,340 percent depending on how exactly it’s calculated as well as other variables, including the loan’s term, any fees that are incurred (late or nonpayment penalties, for example) and options when it comes to loan renewal. Please be mindful of the fact that the APR range is different from your finance charge. Your lender will disclose to you the finance charge later on in the cash loan request process.
To see a representative example of the APR range on a fast money loan, please click here.
YOU CAN BORROW $900 FOR 14 DAYS WITH A $40-$80 LENDER CHARGE. YOUR ESTIMATED APR IS 115 TO 231 PERCENT.*
Online money loans often can be relatively costly in comparison with other types of loans. CashToday.com recommends that you do not use online money loans as a long-term financial solution. You should only make use of them in emergency situations.
*Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100
Low-end calculation: ($40 / $900) * (365 days / 14 days) x 100 = 115.87 percent
High-end calculation: ($80 / $900) * (365 days / 14 days) x 100 = 231.75 percent
Important Implications to Consider
CashToday.com only maintains partnerships with lenders who give prospective borrowers thoroughly detailed information concerning online cash loan terms and conditions before any acceptance of a specific loan offer takes place. You should endeavor to carefully go over the terms and conditions of any offer you get. To view more details on these particular considerations, please browse our Better Lending Practices and Rates and Fees sections.
Should you receive approval for a money loan, the lender will let you know the interest rate and fees that come with the loan before you take their offer. As stated previously, CashToday.com is not a lender, and because of this it just is not able to predict the specific interest and fees that will be part of the offer. Understand that never are you obligated to accept a money loan offer.
When you agree to the terms and conditions for a specific online money loan offer, basically you are agreeing to repay the loan principal amount and finance charges in the required amount of time that your loan agreement specifies. Additional charges may apply should you be unable to repay your loan completely, or if you submit a payment after its scheduled due date. CashToday.com is unable to predict what kinds of penalty charges you may be assessed as a result of partial payment, nonpayment or delinquent payment. Also, CashToday.com has no control over knowledge of the loan details between you and the lender that you are working with.
You should definitely refer to the partial payment, late payment and nonpayment policies that are spelled out in detail in the loan documents your lender provides to you. CashToday.com has a policy of partnering only with reputable lenders who pursue collections of past-due accounts in a manner that is reasonable and fair.
Here at CashToday.com, our policy is to not be involved in making credit decisions or perform credit checks on prospective money loan borrowers. However, some of the lenders with whom we are affiliated may opt to do a nontraditional credit check so they can determine if you are eligible for loan assistance. Generally, these lenders won’t perform a credit inquiry with any of the major U.S. credit reporting agencies (Experian, Equifax and TransUnion).
Ultimately, it is possible that your credit score will be impacted by the actions that a particular lender takes. If you fail to repay your cash loan by the agreed-upon due date, your lender may report the delinquency to the major credit bureaus, with the result being that your credit rating could be damaged. CashToday.com encourages people dealing with credit problems to take advantage of the services of a professional credit counselor.
Again, CashToday.com isn’t a lender, and moreover, we don’t ever collect on borrower debts. In the loan documents they give you, your lender will include information regarding the debt collection practices that they engage in. If you are not totally sure of the collection practices that a particular lender engages in, CashToday.com advises you to discuss the issue directly with the aforementioned lender. CashToday.com strives to only affiliate itself with lenders who routinely pursue collections of delinquent money loan accounts in a totally reasonable and fair fashion.
Prior to your formally accepting their online loan offer, your lender will offer you some loan renewal options to look at. You should read through their loan renewal policy before signing any documents. Please be aware that, to quite a large extent, state laws dictate loan renewal policies.
Online money loans are meant to be used purely as a short-term financial instrument. CashToday.com wholeheartedly encourages all borrowers to repay their loan fully and in a timely manner so that they may avoid fees stemming from delinquent payment and/or nonpayment. If you think there’s a chance you will end up having trouble paying off a money loan that you take out, CashToday.com recommends that you explore different loan alternatives before you make the decision to apply for a loan through this website.