123CashNow helps you connect with a lender! Through our marketplace, you can find lenders that provide small dollar loans. These lenders typically lend from $200 to $1,200 dollars and if you qualify, can usually get your money to you in the next business day!*
You must be of legal age to contract (i.e. depending on your state of residence, age 18 or older).
You must have a verifiable, steady income of at least $800-$1000 per month after taxes
You must provide us with valid checking account information to deposit your loan
You must have a valid home or cell phone number at which you can be reached
You must be a US citizen or have permanent US residency
You must not be a member of the US military
We believe that knowledge of this simple process will make you understand and give you a peace of mind that we partner with a long list of lenders waiting to offer you a loan.
There are no obligations and no hidden fees. We want to provide a service that you can find confidence in and return to us again, and again for any future needs.
Start Your Loan Process Today!
What is the difference between an installment loan and a payday loan?
Installment loans are paid back in small amounts over a set number of payments. A typical payday loan has to be repaid in full with your next paycheck.
How much can I borrow?
Our partners typically lend from $200 to $1,200 dollars, but you may be able to qualify for more depending on our partners’ Terms and Conditions.
When will I receive my loan?
Cash transfer times vary between partners, but typically you will receive your money in 1-3 business days.
How will I know if I am approved?
If we are able to connect you with one of our partners, you will be directed to that particular partner’s website within minutes. You should also receive an email from that partner as well.
Does the time of day when I request funds affect how soon I will hear back regarding my submission?
Yes. Most partners only operate between the hours of 8am and 5pm ET. Therefore, requesting a loan within that time frame will typically yield the fastest response.
What happens if I don’t pay my loan back?
Loan Terms and Conditions vary between partners, but it is possible they may charge you late fees, send your account to a collection agency, and/or report your information to a consumer reporting agency, which may negatively affect your credit score.
How do I find out more about the Process?
Feel free to email us at firstname.lastname@example.org with any questions you may have. Alternatively, The OLA consumer hotline is a key consumer resource, for questions on lending or reporting possible occurrences of fraud: 866-299-7585. If you have questions regarding the loan process you should contact the lenders directly.
If you do not pay your loan according to its terms, your lender
Charge you late fees
Send your account to a collection agency
Report your information to a consumer reporting agency, which may negatively affect your credit score
Offer to renew, extend or refinance your loan, which may cause you to incur additional fees, charges and interest