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1. How Does The Cash Biz Online Program Work?

The process of getting a payday loan is much easier and much simpler than receiving a loan through a traditional bank. Our goal is to help you find the best terms at the lowest rates. After completing and submitting the online application for processing, it takes a few seconds to receive an acceptance response. At that point, you will be able to accept your loan agreement via the web, and then the processing of funds begins.

If you decide to get a payday loan online, you will have to provide a bank account number and your bank???s routing number to actually receive the loan. The routing number is a number assigned to an individual bank which allows electronic transfers to reach the correct bank. The account number and routing number are provided, so the funds can be deposited directly into your account.

You agree to pay the loan by a certain date. The agreed amount is then debited from your account on that date.

2. How Do I Qualify For A Loan?

Most lenders will qualify you for a loan if you:

  • Have a job or receive regular income.
  • Earn at least $800 per month.
  • Are a US resident at least 18 years old.
  • Have a bank account in good standing
3. What Is The Maximum Amount That I Can Apply For?

You can borrow any amount of $100 – $1,500. The amount of money you can borrow depends on a few factors such as the lender we match you with, your income and employment history. Lenders may provide up to $1,500 once approved.

4. How Is My Personal Information Protected On This Website?

Your information is not stored on the website or server.?? When your private information is transmitted it is protected by a secure socket layer.

secure socket layer (SSL).?? An SSL Certificate is a piece of software that encrypts all information moving to and from the Certificate holder???s website. This means no exchange between the website and its visitors can be intentionally or accidentally ???overheard??? by a third party.

5. Will You Need To Contact My Employer?

No. There is no need to contact your place of employment.

6. Do I Need To Fax My Documents As Part Of The Application?

In most cases no. However, if data provided is inconclusive or seems false, lenders may ask for additional documentation to be faxed

7. If I Have Bad Credit, Bankruptcy or A Charge-Off Will This Affect My Ability To Get A Loan?

You will not be denied a loan based on your past or present credit history. Prior bankruptcy, a poor credit history or charge-offs do not automatically disqualify you ??? you may still apply for a loan. You just need to have an active bank account and funds available to repay the loan on the due date.

8. Will A Payday Loan Negatively Affect My Credit History?

No. The payday loan will not show up on your credit history and will not have anything to do with your credit rating.

9. When Can I Receive My Loan?

You could have your loan within hours, but could take up to 24 hours and depends on the processing schedule.

10. I Work Part Time, Can I Still Be Accepted For A Loan?

Yes, you can still be accepted for a loan even if you work part time, considering you have a paystub verifying regular employment and you earn at least $800 per month.

11. How Much Will The Loan Cost?

The cost of the loan and the APR depends on the information provided on your application. The terms of the loan are disclosed in the application process when directed to the lenders loan agreement. If, when the terms are disclosed, they are not acceptable, do not sign the application. At this point you have not accepted the loan.

12. What Happens If I???m Late with My Payment or Don???t Pay the Loan Back?

The loan may be allowed to ???roll over???. Additional fees will likely occur in the event of late or partial payments. Usually if you default on the loan or refuse to repay it, the normal process is through a debt collection agency or legal action, in order to recover the funds.

13. What Is The Renewal Policy?

Renewal policies are determined by the lender, and therefore they will vary. Be aware some lenders may not debit your account for the full amount of the loan, which may result in additional fees and a renewed loan. MAKE SURE YOU READ THE RENEWAL POLICY CAREFULLY AND MAKE YOUR WISHES CLEAR TO THE LENDER.

14. Can I Have Multiple Loans At One Time?

Payday Loans are intended to be short-term relief to financial hardship such as emergencies. Payday loans are not long-term solutions to cash flow problems. Therefore we strongly recommend you do not take out multiple payday loans at once.

15. Is The Payday Loan Industry Regulated?

Yes. Regulation of payday lending institutions is handled primarily by individual states.

1. We offer three types of loans in our centers, Payday Loans, Title Loans and Installment Loans. All loans have favorable terms and there is never a credit check.
  • Payday Loan is a small loan, typically between $100 – $1,000, used to help with unexpected expenses or emergencies. A payday loan is a great short-term source of cash; usually it needs to be repaid with your next paycheck. These type of loans are also referred to as Cash Advance Loans.
  • Title Loan this is a secure loan based on the equity value of your vehicle. You still get to drive the car but you also get the cash.
  • ??Installment Title Loans similar to a payday loan, a title installment loan allows you to borrow cash up to $5,000 based on the value of your vehicle. You will have regular, low monthly payments (no balloon payments) — just like a car loan! You get to keep your car and you don???t have to give us an extra set of keys. It???s similar to a title loan in that we will place a lien on your vehicle in exchange for the loan and then upon loan repayment, we will return your title.

The process of getting a loan in our store front locations is much easier and much simpler than receiving a loan through a traditional bank. Our goal is to give you the best terms at the lowest rates. After completing and submitting the application for processing, it takes a few seconds to receive an approval. At that point, you will be able to accept your loan agreement sign the documents and receive your funds.

 

2. What is a payday loan?

With proof of employment and a level of income that will cover repayment, a person can borrow a small loan against their paycheck. The loan needs to be repaid at the time of a borrower???s next paycheck. The lender will hold a post-dated check written by the borrower to the lender in the agreed upon amount, which will include a fee for the loan. That fee can be as low as $20 per $100 borrowed up to $22 per $100. Payday loans are convenient, easy to qualify for, and are not dependent on credit history. In fact, most payday lenders don’t even check an applicant’s credit.

3. Can anybody get a payday loan?

Just about any U.S citizen eighteen or older with a job and a checking account can get a payday loan. Having a bad credit history or having other debts outstanding doesn???t matter. About the only thing that would stop an applicant from getting a payday loan is if, 1) they have a pattern of abusing payday loans by not paying them or by bouncing checks, or 2) by not being honest when they filled out their application. Information provided on an application is verified, as is whether or not a checking account is active.

4. What are payday loans used for?

That’s entirely up to the borrower of a payday loan! Unlike many traditional loans which want to be nosy and get into an applicant???s business, asking what the loan will be used for and so on, payday lenders know that clients have their own reasons for needing money. More often than not, payday loans are for emergencies, but what constitutes an emergency is a borrower’s business, not a payday lenders. For one borrower it might be a car payment to stave off repossession. For another it might be an electric bill that has doubled up and the lights are about to be turned off. But for another, it might be that money is tight when a child is about to celebrate their sixteenth birthday. Again, payday borrowers are responsible adults.

5. What's the most I can borrow?

Well, it depends on two things: 1) Whether a state has certain local or state limits, and 2) the amount of an applicant???s monthly income. Some states allow payday lenders to loan up to $1,000, other limit the loans amounts to $500, depending on state maximums.

6. When do payday loans have to be paid back?

Commonly known as the term of a loan, this is the amount of time before a loan is due to be paid. For payday loans, the term of these small loans is usually the time from when it is paid to an applicant to when that applicant gets their next paycheck. Sometimes, this period of time can be extended in what is known as a “rollover.” In a rollover, rather than paying the loan back when agreed, time is extended to give a borrower the chance to pay it a little later, as agreed upon by the payday lender. If a rollover situation occurs, there would be a fee associated with that extension.

 

1. What are the qualifications for a vehicle title loan?
  • Govt. issued photo ID
  • Free and Clear Title
  • Three references not related to you
  • Source of Income
  • Social Security Card (or a Document on which your name and SSN both are listed)
2. How much can I borrow?

You can borrow as little as a couple hundred dollars and as much as $5,000, depending on the value of the vehicle and the rules and regulations set forth by the state in which you live.

 

3. I have two cars. Can I get one loan based on both?

Yes. We can combine the value of both vehicles to increase the amount of loan you can qualify to borrow.

4. Do you do motorcycle title loans?

Yes, but there are conditions of which the underwriter will explain when you go over the loan.

5. Can I borrow on my boat or ATV?

Yes, but there are conditions of which the underwriter will explain when you go over the loan.

6. Do I have to have the vehicle titled in the same state as where I live?

Yes. If you are traveling out of state, you will need to sign the paperwork in the state of which you live.

7. Does my vehicle need to be paid off?

Yes. The vehicle needs to be free and clear.

8. Do I need to have a good credit?

Not at all. That is one of the great things about a car title loan. You can have little, bad or even no credit at all.

9. Do I need to be employed?

We are more concerned about the fact that you have a way to pay the loan then the question if you are employed. You can be self- employed, or even receive income from some source other than an employer but we will require that you show there is some income to cover the payments.

10. Can I be in retirement?

Yes. You can even be on disability. The key issue is that you have a source of income to pay the loan.

11. Is there a pre-payment penalty?

None whatsoever and this is a key reason why you should use us. Other companies may not disclose this fact, and you need to know because if you elect to pay the loan off early, the pre-payment penalty could be as much as your regular interest payment multiplied by the remaining life of the loan.

12. How fast does the process take to get the loan?

We will have you pre-approved in a matter of minutes. The paperwork is about 15 minutes of your time. Of course, plan on spending some time counting your money.

13. Do I have full use of the vehicle?

100% yes. We do not hold your vehicle at all.

14. Do I need a bank account for a loan?

No. You may be thinking about a payday loan which does require this but we do not require a bank account at all for a title loan.

15. I am concerned about giving my information? How do I know my information is safe?

We care a great deal about your privacy. You should know that we will never sell or distribute any information you give us to anyone other than the direct lender.

16. What factors do you use to determine the value of the vehicle?

We use the standard and the enhanced information. The standard information is the vehicle mileage, year, make and model but we go further with our enhanced process and add to it the condition, the edition of the model, the engine size and the options that the vehicle has installed like a sunroof or if it has leather seats.

17. What if I lost my title, what do I do?

You will need to apply at the Secretary of State for a duplicate title. There are exceptions to this rule so let us know that this situation exists.

18. What if the vehicle title is in someone else's name?

If it is a spouse then whoever the title name is will have to sign the loan documents but if it is someone you do not know or a friend, then that will not work.

19. When do I get my title back?

You will get a release of the lien upon paying off the loan and you can then attach this to your title or send it in to the Secretary of State to have a fresh title without us on there.

20. Will my vehicle be taken from me?

This is a great question so let’s discuss it openly. The fact is you are using your vehicle to get a loan. You are telling us that should you not pay the loan, that we can get the vehicle from you for sale so we can pay off the loan and give you the remaining proceeds if any. The fact is we dislike doing this and it us used as a very last resort because not only is it very expensive to do this but also we know that you will never want to be a customer again.

We also know that we will lose money when we auction it off and the end result is no-one wins! We will do whatever we can to make sure that you can pay this loan and you will return as a happy customer. We want your word-of-mouth business and to do this we have to lend responsibly and you have to borrow the same.

 

1. How does an Installment Title Loan differ from a regular Title Loan?

The installment title loan offered by Cash Zone, dba Cash Biz is different than a regular title loan. In a regular title loan the loan amount is due in full usually within 30 days, if a you are unable to pay back the loan in full you are required to make an interest payment to extend out the due date; you continue to do this until the loan is paid in full. With an Installment Title Loan, the loan is split up into equal periodic payments with a portion of the payment being applied to the principal. This ensures that the loan will be paid in full in 12 months.

2. What are the qualifications for a vehicle title loan?
  • Govt. issued photo ID
  • Free and Clear Title
  • Three references not related to you
  • Source of Income
  • Insurance
  • Social Security Card (or a Document on which your name and SSN both are listed)
3. What do I need to bring in to qualify for an Installment Title Loan?

Simply bring in the Vehicle and the Title, Proof of Income, Proof of Registration, and your Photo ID.

4. How much can I borrow?

You can borrow as little as a couple hundred dollars and as much as $5,000, depending on the value of the vehicle and the rules and regulations set forth by the state in which you live.

5. I have two cars. Can I get one loan based on both?

Yes. We can combine the value of both vehicles to increase the amount of loan you can qualify to borrow.

6. Do you do motorcycle title loans?

Yes, but there are conditions of which the underwriter will explain when you go over the loan.

7. Can I borrow on my boat or ATV?

Yes, but there are conditions of which the underwriter will explain when you go over the loan.

8. How fast does the process take to get the loan?

We will have you pre-approved in a matter of minutes. The paperwork is about 15 minutes of your time. Of course, plan on spending some time counting your money.

9. Do I have full use of the vehicle?

100% yes. We do not hold your vehicle at all.

10. Do I need a bank account for a loan?

No. You may be thinking about a payday loan which does require this but we do not require a bank account at all for a title loan.

11. I am concerned about giving my information? How do I know my information is safe?

We care a great deal about your privacy. You should know that we will never sell or distribute any information you give us to anyone other than the direct lender.

12. What factors do you use to determine the value of the vehicle?

We use the standard and the enhanced information. The standard information is the vehicle mileage, year, make and model but we go further with our enhanced process and add to it the condition, the edition of the model, the engine size and the options that the vehicle has installed like a sunroof or if it has leather seats.

13. What if I lost my title, what do I do?

You will need to apply at the Secretary of State for a duplicate title. There are exceptions to this rule so let us know that this situation exists.

14. What if the vehicle title is in someone else's name?

If it is a spouse then whoever the title name is will have to sign the loan documents but if it is someone you do not know or a friend, then that will not work.

15. When do I get my title back?

You will get a release of the lien upon paying off the loan and you can then attach this to your title or send it in to the Secretary of State to have a fresh title without us on there.

16. Will my vehicle be taken from me?

This is a great question so let’s discuss it openly. The fact is you are using your vehicle to get a loan. You are telling us that should you not pay the loan, that we can get the vehicle from you for sale so we can pay off the loan and give you the remaining proceeds if any. The fact is we dislike doing this and it us used as a very last resort because not only is it very expensive to do this but also we know that you will never want to be a customer again.

We also know that we will lose money when we auction it off and the end result is no-one wins! We will do whatever we can to make sure that you can pay this loan and you will return as a happy customer. We want your word-of-mouth business and to do this we have to lend responsibly and you have to borrow the same.

17. How much time to do I have to pay back the loan?

With the installment title loan you are guaranteed to have your loan paid off in 6, 12, 18, or 24 months (length of loan term is based on your state laws/ regulations). Or you can pay the loan off quicker. It is completely up to you.

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