Basic FAQ's

How do i check APR of my loan?

APRs vary according to the information supplied by you in your loan request, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. If a lender is available, the lender or lending partner will provide the APR, loan fees, and other terms when you are redirected to your loan agreement in the loan request process.

Do I qualify for a loan?

You can submit a request for a loan if you meet these basic criteria:

  • Receive regular scheduled income via employment or benefits such as SSI
  • Earn at least $800 a month
  • Have a checking account
  • Are 18 years of age or older
  • A permanent resident of the US

Note that other requirements may apply depending on the fast cash lender. Even customers who have filed bankruptcy, have bounced checks or have other credit issues can be approved for quick cash loans.

What is a Personal Loan and what can I use it for?

People get personal loans to help with home repairs, unexpected expenses, holiday shopping, bills, and more. Such a loan from one of our lending partners can help you get the money you need! Once you fill out our application online, if approved, you can receive cash as fast as next business day.

How fast can I get the money?

While approval for a short-term loan can be fast, usually within minutes, you are not likely to be able to get money until next business day. Think of the process as depositing a check into your bank account, typically, you have to wait at least 1 business day before the check clears and the money is available for you to use from your account. If you are approved for a personal loan by one of the lending partners in our network, you can receive the money for your emergency in as little as 1 business day and resolve your short term cash problem in no time!

How do you protect my privacy and personal information?

In transmitting your application data to our lending partner network we ensure your information is safe and secure. Using SSL encryption your personal data is scrambled in route to our servers, and decrypted once it arrives at

Do I have to go into a store or wait in line?

Entering your information on is easy and private. From the comfort of your home desktop, laptop, smart phone, or tablet computer you can complete the entire application without going into a store and waiting in embarrassing lines. The process is easy and private.

Can I apply by phone?

No, Option of applying with Phone is currently not available, But once you submit your form online, you get a call back within 24 business hrs from our team about the status of the loan. Also you can ask any of your relavent queries regarding the loan aswell.

What is the loan APR?

Representative Example: If you borrow $5,000 on a 36 month repayment term and at a 10% APR, the monthly repayment will be $161.34. Total repayment will be $5,808.24. Total interest paid will be $808.24. APR Disclosure: The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lender or lending partner must show you the APR before you enter into the loan. Rates, loan size, among other variables will vary based on your credit worthiness with the lower rates potentially available to customers with excellent credit. Minimum and maximum loan amounts and APRs may vary according to state law and lender or lending partner. We recommend you read the lending partner’s terms and conditions in full before proceeding for a loan.

Are there any fees to use this website? does not charge the consumers any fees and there is no fee to submit your information online. If approved for a loan, the lending partner will present you with the exact fees and interest rate of your loan prior to your acceptance of the loan. 100CashLoans is NOT A LENDER and cannot predict the exact fees and interest of the loan option presented to you. You are under no obligation to accept the terms presented to you, it will be an offer not an obligation. .

How much money can I borrow?

Loan amounts vary from $100-$50,000, the actual amount is determined by the information provided via your online request and any available payment history.

Do you perform a credit check?

While does not perform a credit check, the lenders that we work with may do so in order to determine your creditworthiness and the amount that they may be able to lend to you.