How Online Cash Loans Work
DirectCash.Me is a lender-matching service whose primary goal is to connect consumers like you with short term lenders whenever unexpected financial emergencies arise. We can successfully match more than 92% of the individuals who apply with at least one lender willing to provide the funds they need. These loans are available to people with all types of credit histories and even those who have no credit at all.
All About Short Term Loans
Our Secure Online Application is Fast and Free
The application we provide at DirectCash.Me only takes about two minutes to fill out, is completely secured with top-notch security software, and is free for you to fill out. We only ask for the information we need to match you with a lender in our network, and after you submit this information, it is forwarded to more than 300 lenders who can provide you with up to $1000 in cash in as little as one business day. In many cases, you will not be asked to fax a single document.
Review the No-Obligation Offers
In the minutes after we submit your application, you will begin to receive one or more offers from various lenders across the country that are competing for your business. In this manner, you are able to select the lender and the offer that best suits your needs. You are never under any obligation to accept an offer, so if one of the offers you receive is not satisfactory, simply ignore it and move on to the next.
Getting Your Cash
After choosing the offer that suits your financial needs, your lender will ask you to provide your electronic signature in order to enter into a contract. Once this step has been completed, your lender will usually deposit the loan amount for which you were approved into your checking account on the following business day.
Repaying Your Loan
Our lenders make the loan repayment process incredibly simple. In most cases, all you will need to do in order to repay your loan is ensure that the repayment amount—the amount of the loan plus any applicable fees and interest—is available for withdrawal on the scheduled date. This way, you do not have to mail any checks or money orders and you do not have to visit a retail location. This paperless process also helps to reduce the likelihood of late payments and may even save you money.
Short Term Loan Qualifications
Qualifying for a short term loan is simpler and easier than qualifying for other forms of consumer credit. The only qualifications associated with obtaining a short term cash loan are:
- You must be 18 years of age or older
- You must legally live and work in the United States
- You must be employed with the same employer for a minimum of 90 days
- You must have a bank account that is not currently overdrawn
- You must have a valid email address and working telephone number
- You must meet minimum income requirements
Your Credit History is Not an Issue
Since the majority of the lenders that partner with DirectCash.Me do not perform in-depth credit checks, individuals with bad credit or no credit at all can still qualify for loans. The lenders in our network may perform alternative credit checks with companies like TeleTrack or DP, but this is only done to ensure that you are not currently in bankruptcy and that you do not have outstanding loans with other lenders. These options will not affect your credit score. We have provided millions of loans to consumers across the country and are dedicated to helping you get the funds you need when you need them the most.
Getting the Biggest Benefit from Short Term Loans
In order to truly enjoy the benefits associated with short term loans, it is important for you to repay your loan on time. This will help you to avoid potentially high late fees and build a better business relationship with your lender of choice. You should always ensure that you will have the funds available to repay your loan before you apply, and you should contact your lender immediately to discuss the available options if you will be unable to repay your loan on time.
How We Can Help
We are always available to answer your questions about this website and short term loans in general. We strive to provide you with only the best customer service and will answer your inquiries as quickly as possible.