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Financial Fundamentals

Understanding Your Debt

America is dealing with a debt addiction.  In fact, this addiction is spreading across the globe.  That doesn’t mean that you have to be part of it.  Eliminating, or even reducing, your debt can have a positive impact on your future finances.  Taking inventory of your debt is the first step toward being your debt reduction plan.  That means writing down everything you owe; rent or mortgage, credit cards, auto loans, personal loans, student loans, and other past due bills.

It is never too late to take care of your past due debt.  Take the time to call your creditors, and you will be shocked at how receptive they are to making payment arrangements.  Simply making your past due debts current can drastically improve your credit score.

Security

Our site maintains the highest in security standards to ensure your financial protection and security.

Servers are updated daily and virus-scans are run to ensure that your information is secure.  In addition, our firewall protection is constantly updated.  Every conceivable step is taken to protect your information.

Steps you can take

Protection starts with your email.  Never send sensitive information over email.  Should you need to send something sensitive in nature, please use our secure contact form.  This form can be found our “Contact Us” tab.   Ensuring that your browser is current with the most recent updates and ensuring that your anti-virus software and firewall protection are constantly running will help mitigate your risks.

When creating a password, you should utilize a combination of numbers and letters, as well as upper and lower case letters.  This will greatly increase your account security.  For different sites, use different passwords; this will limit the risk if your password is compromised.  Obviously, never share your passwords for any reason.

Please contact us immediately if you detect suspicious activity.  The sooner we are made aware of this situation, the better protection we can offer our community from this risk.  Finally, regularly checking your credit score, at least once a year, will greatly prevent identity theft.

Payday Loans May Equal Very Costly Cash

 

FAQ

What is a payday loan or cash advance?
A payday loan or cash advance is an unsecured, short-term cash loan to help you until your next payday. Customers choose payday advances to cover small, unexpected expenses while avoiding costly bounced-check fees and late payment penalties. At 2apply4cash.com, apply online for a payday loan and your advance will be electronically deposited to your checking or savings account.

What can a payday loan be used for?
Whether you are paying off bills, celebrating a special occasion, or covering an unexpected cost your payday loan is there to be used at your own discretion.

How much can I receive? 

Your first 2apply4cash.com loan is based upon the information you provide in your application. You may borrow an amount up to $1500, and after a successful repayment of your payday loan, we may raise the amount on any future 2apply4cash loans.

How are fees established?

Our fees are competitive and in compliance with all applicable state and federal laws.
Depending on the lender, fees can range from $25 to $30 per $100 borrowed. For example, if you borrow $300 the fee will be between $75 and $90.

How do I qualify for a payday loan?

2apply4cash.com does not perform credit checks, which makes qualifying for a payday advance easier than qualifying for traditional credit. You should meet all of the following requirements:
• Currently employed (or receive regular income)
• Make at least $1000/month
• Be 18 years of age or older and a U.S. citizen
• Have a checking or savings account with direct deposit.

What is the procedure to apply for a payday loan?
To apply for a payday loan, complete and submit the application found on our website. At that point, the approval process will immediately get under way and an agent will notify you of your status.

What information do I need to complete the application?
We need your name, address, employment information, banking details, and picture identification in order to complete your payday loan request.

Is my personal and financial information secure?
We respect our customer’s right to privacy in managing their personal finances. Our site uses a variety of security measures to maintain the safety of your personal information. All sensitive data transmitted between your browser and our website uses 128 bit Secure Socket Layer (SSL) encryption technology.

Is there an application fee?

2apply4cash.com never charges applicants a fee to qualify for a payday loan.

Does submitting an application obligate me to take out a loan?
No; submitting an application simply states that you wish for one of our agents to approve and contact you to discuss your payday loan options. You may ask us any questions, and withdraw your request if you so choose. If you are ready to proceed, you may confirm your information and officially agree to terms with one of our representatives.

What if I have bad credit? 

As we do not perform credit checks, bad credit will not prevent you from receiving a payday loan at 2apply4cash.com. Our friendly managers will work with you, even if you have been turned down by other lenders.

Does being a tenant influence my eligibility?

Whether you rent or own your home, it does not affect your eligibility for a payday loan.

Do I need to fax my information?

There is no need to fax any personal details. The lending company will instantly get all necessary information online.

Can I have more than one payday loan at a time?

No, all other payday loans must be repaid before another may be granted.

Do you contact current or former employers?

No, the lenders operate a strict confidentiality policy. None of your personal information will be passed onto any third party without your prior agreement or unless required by law.

Do I need direct deposit?

Your bank account must be set up with direct deposit to qualify for a cash advance. It is the most secure way to offer loans as quickly as we do.

When will I receive my payday loan? 

You application will be processed within 30 minutes upon being received. Once approved, you may collect your loan the next business day. At that time, we will help schedule a repayment date so you will not have to worry about bouncing a check or missing a deadline.

How will I know that my loan has been approved? 

You will receive an email notification once your loan has been approved. 2apply4cash.com reserves the right to make adjustments to your loan approval up until you receive the funds in your bank account based on new information received regarding your application.

When will my loan be due?

Each state has different rules and regulations regarding loan due dates. Typically, repayment is scheduled on your next payday (between 8 and 25 days away).

What if I want to pay back my loan early? 
Contact us if you wish to pay off your loan before the scheduled due date. In doing so, you may be entitled to a partial refund of your loan fee.

What if I am unable to repay my loan by the due date?
If you cannot repay the full amount of your loan by the due date, you may be able to request a loan extension.

The following payment options are available:
1. Pay the loan in full on the maturity date listed on your loan agreement.
2. Pay the finance fee and a portion of the principle on or before the maturity date.
3. Pay only the finance fee on the maturity date.

How often can I get a payday loan?
We are available any time you need financial assistance between pay periods. e encourage all of our clients to use these loan responsibly and keep in mind that a payday loan is a short-term solution to an urgent cash need; they should not be used repeatedly to deal with continuous budgeting issues.