Disclaimer

Need Cash Advance Today is not a lender and does not approve or deny loans or make credit decisions. Need Cash Advance Today provides a marketplace service only and is not acting as a representative, agent, or correspondent for any lender or service provider. Need Cash Advance Today does not endorse any particular lender, loan product or service provider. You are under no obligation to use Need Cash Advance Today’s service to initiate contact with, apply for credit from, or accept any loan product from any lender or service provider. This service is not available in all states.

By submitting your information via this website, you are authorizing Need Cash Advance Today and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize Need Cash Advance Today to share your information and credit history with a network of approved lenders and lending partners.

There is no fee for you to submit a loan request at Need Cash Advance Today. Need Cash Advance Today is not a lender and does not provide lending services. Based on the information you submit, Need Cash Advance Today will search its vast network of authorized lenders in order to connect you with a lender that may be able to serve your needs.

After your information is forwarded to an authorized lender, the lender will evaluate your information and may approve a loan for you. If your loan is approved, you will be redirected to an e-signature page on the lender’s website. All fees and rate information charged by the lender should be disclosed to you at that time. You should carefully and thoroughly review the rates and fees provided by the lender before agreeing to accept the loan or signing any documents. You are under no obligation to accept terms you are not comfortable with, and you should not accept terms that include payment amounts that are too difficult or impossible for you to meet.

If you decide the loan terms provided by the lender are acceptable and wish to proceed, you may e-signature the document. When signing, you are entering into a legally binding contract with the lender and are responsible for repayment of the loan. Your repayment obligation and any other loan-specific questions or concerns are between you and the lender, not Need Cash Advance Today.

Cash advances are intended as short-term financial relief and are not long-term financial solutions. If you are facing debt and credit difficulties, you should seek professional financial counseling.

Please visit the Rates & Fees page of this website to learn more about the risks involved with cash advances. You also should review local laws and regulations governing cash advances. Where possible, you are encouraged to explore alternatives to taking out a short term loan.

Need Cash Advance Today is not available in all states. Need Cash Advance Today specifically does not offer or solicit short-term cash advances in New York, Connecticut or other states where prohibited by law.

You acknowledge, agree, and authorize that (a) your information may be sent to lenders and/or third-party partners on your behalf, and (b) such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax to evaluate your creditworthiness.

Important Disclosures. Please Read Carefully.

Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. Need Cash Advance Today is not a lender or lending partner and does not make loan or credit decisions. Need Cash Advance Today connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. Need Cash Advance Today does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. Need Cash Advance Today receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, Need Cash Advance Today’s service is always free to you. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where Need Cash Advance Today does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

By submitting your information via this website, you are authorizing Need Cash Advance Today and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize Need Cash Advance Today to share your information and credit history with a network of approved lenders and lending partners.

Our lenders offer loans with an Annual Percentage Rate (APR) of 35.99% and below. For qualified consumers, the maximum APR (including the interest rates plus fees and other costs) is 35.99%. All loans are subject to the lender’s approval based on its own unique underwriting criteria.

Example: Loan Amount: $4,300.00, Annual Percentage Rate: 35.99%. Number of Monthly Payments: 30. Monthly Payment Amount: $219.36. Total Amount Payable: $6,581.78 Loans include a minimum repayment plan of 12 months and a maximum repayment plan of 30 months.

Lender’s or Lending Partner’s Disclosure of Terms.

The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. Need Cash Advance Today has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.