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CASH ADVANCE

1. WHAT IS CASH ADVANCE®?
Cash Advance® works to connect customers with short-term loan options, which help provide extra cash in times of need. Short-term loans are meant to be used only as a last resort option and paid back on or before a borrower’s next paycheck. Loan amounts are typically between $100 and $999.

Requirements
In order to complete the online form on Cash Advance®, you need to:

Be at least 18 years of age.
Be a U.S. citizen.
Have a current job, with an after tax income of $1,000 per month.
Allow for your employment to be verified.
Have a valid checking account.
Have a valid home and work telephone number, as well as a valid email address.
Please note that meeting these requirements does not mean that you will be connected to a lender
Making the Loan Request
Consumers seeking a short-term loan can submit a loan request online. Remember, it is important to fill out the secure form completely, so that we can search our network to help you find potential lenders.

Credit Repair and Debt Relief

Many of the consumers who we are not able to find a loan offer may want to consider seeking credit repair or debt relief services. If we can’t find a loan offer for you, we may pass some limited information about you to our marketing partners so you can receive offers for credit repair, debt relief or similar services.

Direct Deposit
If you are approved by your lender for a short-term loan, the loan amount can often be transferred directly into your bank account as soon as the next business day.

Auto-Debit
Lenders want to be paid back on their loan, and you don’t want to miss payments. In order to avoid any unnecessary fees or finance charges due to late payments, lenders may automatically withdraw from a consumer’s checking account any loans and loan fees on the loan due date. Your loan cannot be conditioned upon repayment by electronic funds transfer or automatic withdrawal. Consult your lender for more details.

It’s Simple
You will complete several short forms by starting here. Make sure to complete all form sections. If you have any questions about the form, please feel free to review our questions page, or contact us.


Responsible Lending Policy
Although we are not a lender and don’t exercise any control over any lenders, we think you should know the following information about responsible lending. We want to make sure that all of our users are educated and able to make responsible decisions regarding their loan options.

Truth in Lending Act

All lenders are required to comply with the Truth in Lending Act. Before a consumer assumes any obligation on a loan offer, the lender is required to present you with certain important information about your loan offer. This includes the exact rates, fees, rollover charges, and other important information. You should review this information very carefully and compare it to all other options available to you to make sure you are making a responsible decision.

Fair Lending

The Dodd-Frank Wall Street Reform Act states that all lenders, including cash advance lenders, must engage in “fair lending,” which is defined as “fair, equitable, and nondiscriminatory access to credit for consumers.” Dodd-Frank also tasks the Consumer Financial Protection Bureau with the enforcement of fair lending regulations. Consumers using CashAdvance.com are urged to file a complaint with the agency should any problems arise with their loans.

Fair Debt Collection Practices

For consumers repaying their loans, CashAdvance.com supports all provisions of the Fair Debt Collection Practices Act enforced by the Federal Trade Commission. CashAdvance.com is not an actual lender and, as a result, does not collect debts from consumers.  All lenders and debt collectors are required to comply with the requirements in the Fair Debt Collection Practices Act. These requirements include:

    NOT contacting consumers by phone anytime before 8 a.m. or after 9 p.m.
    NOT contacting consumers by phone with the intent to annoy, harass, or use abusive language.
    NOT collecting debt through deception or misrepresentation.
    NOT threatening legal recourse when no legal action is permitted.
Reporting Scams

CashAdvance.com helps consumers report any illicit lenders and scam artists seeking to take advantage of those in need. CashAdvance.com has created the Scam Report, an online forum dedicated to helping consumers communicate scams to each other and report them to the appropriate consumer protection agencies, such as the Consumer Financial Protection Bureau or the Federal Trade Commission.

State Regulations

In addition to the federal laws that all lenders are required to comply with, individual states also have numerous laws for lending within their borders. These can include strict adherence to local laws regarding interest rates, rollover limits and fees, maximum loan terms, cool-off periods between loans, presentment limits, and more. Keep in mind that you may receive a loan offer from a lender that’s owned by a nationally recognized Indian Tribe. In this case, the Tribe’s law may apply to your loan and the rates, fees and other loan terms may vary from the loans made under your state’s laws. All lenders are required to comply with federal law. Consumers should educate themselves about loan product they desire and the laws, rules, and regulations applicable to the product.


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Credit Saint


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How To Fix Bad Credit On Your OwnCredit refers to the ability to borrow money or utilize goods and services without having to pay immediately. For example, a credit card allows you to pay at stores, while a home or car loan will enable you to buy a house or vehicle even if you don’t have the funds. In these cases, you enter into a contractual agreement with a creditor, like a bank: They spot you the money, which you agree to pay back later, along with interest.

Your credit score is a measure of your creditworthiness — basically, how likely you are to promptly and completely pay back the funds you owe a lender (money borrowed plus interest). Your credit score is based on your financial history and encompasses everything from whether you pay your bills on time to if you’ve ever filed for bankruptcy. Lenders look at your credit score when deciding whether to enter into a credit agreement with you and to determine how much credit they are willing to extend to you and at what interest rate.

If you have bad credit, it can be difficult to get a loan or a new credit card. This can get in the way of life goals, like buying a house. The good news is that it’s possible to improve bad credit on your own. The below guide provides a step-by-step process for self credit repair. This will better your overall fiscal health and open up more possibilities for you financially.

What Is a Credit Score?
Your credit score tells lenders how likely you are to pay back the money you owe them in a timely manner. A credit score is a number from 300 to 850. The higher your score, the better — and the more likely you’ll be able to secure loans and credit cards with larger limits and lower interest rates. The credit score model was established by the Fair Isaac Corporation (FICO). Thus, you may also see credit scores referred to as a FICO Score, as this is the most commonly used system. 

The FICO model categorizes scores into one of five categories. Here is a breakdown:

Excellent: 800 to 850
Very Good: 740 to 799
Good: 670 to 739
Fair: 580 to 669
Poor: 300 to 579
Three primary credit bureaus in the United States track these credit scores: Experian, TransUnion, and Equifax. These credit reporting agencies report, update, and save consumer credit histories. They rely on five main factors to determine your rating: payment history, the total amount owed, length of credit history, types of credit, and new credit. We’ll discuss each factor, what they mean, and how you can use them to improve your credit score below.

It’s important that you get a full credit report covering all three agencies at least once per year. Why? Some lenders may only report to one agency, not all three. You need data from all three for a full picture of your credit health.

How Can I Raise My Credit Score on My Own?
You can improve your credit score. While it takes time and effort, it’s well worth the improved financial security it will bring you. You don’t want bad credit to bar you from taking out a mortgage to buy your dream home, for example, or prevent you from securing a credit card if you need emergency funds. Putting in the effort now to improve your credit score can provide you with peace of mind and will serve you practically for the rest of your life. 

There are a few strategies to improve a credit score. Below, we cover the most impactful steps you can take.


Financial Shaming



 Financial Shaming

March 15, 2021

In 2020, the COVID-19 pandemic upended nearly every aspect of everyday life. And while months of social distancing and staying inside may have felt like an overwhelming strain on mental health, there’s been one potential bright side: A majority of Americans changed their spending patterns during quarantine – for the better.

With less opportunity for spending money on travel or dining out, buying habits shifted to eating in, making coffee at home, and staying healthy during the pandemic. In 2020, many Americans were able to invest more, while saving on typically high costs, including child care and entertainment.

But some people still feel shame about the way they’re able to spend (or save) money, which can make it difficult to instill positive habits or make progressive budget changes. To understand how people experience financial shaming and the impact it can have, we surveyed over 1,000 people about criticisms of their finances or their financial decisions. Read on as we explore the kinds of financial shame people face; where that criticism comes from; how women and men are criticized differently; and how it affects their budget confidence.

Cash-Related Criticism
In most cases, getting advice on your finances typically comes in the form of things you could be doing better. Instead of coming from a place of empathy or understanding, financial “advice” usually shames people for the decisions they’ve made, the money they’ve spent, and why they haven’t started saving for retirement yet. Unfortunately, 70% of people who experienced criticism for their financial decisions stopped talking about the issues to avoid experiencing more shame, even though they felt compelled to make positive changes.


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