Question: What is a payday loan / cash advance?
Answer: A payday loan or cash advance is a quick and convenient way to get immediate cash until your next payday.
Question: What can I use my loan for?
Answer: Your cash can be used for anything you choose.
Question: What requirements must I meet?
Answer: You must have direct deposit Be employed, full time, at your current employer, for a minimum of 3 months Have a valid checking account for a minimum of 3 months A bi-Weekly income of at least $500.00 (gross) or a Monthly $1000.00 (gross) Have a current Home or Cell Phone Bill A home phone You must be a U.S. citizen at least 18 years of age Have a valid state ID or drivers license
Question: How much will my payday loan / cash advance cost?
Answer: Our fee is $10.00 per $100.00 borrowed. The A.P.R. varies. Please see our Fee Schedule for more information.
Question: Why is GETYOURCASHTODAY so cheap?
Answer: We are a very close group of everyday worker’s like yourself. We have been in your situation before and understand your cash flow sometimes runs out once unexpected expenses and events come up. Or, there may be something special you would prefer not to put off until your next payday. Unlike some payday lenders, “that the owners can not be reached,” You will be able to speak with one of us if necessary. We pride ourselves on being one of the cheapest and friendliest lenders in the United States.
Question: When will I know if I’m approved?
Answer: We can approve your loan in a matter of minutes. You will then receive an e-mail with our confirmation. You will only be required to FAX us 5 Things: Your current Bank Statement Copy of a check for the account where your cash will be deposited A recent Utility Bill A recent Pay Stub A VALID State Issued Driver's License or Photo ID We do the rest !!!!! Once approved the cash will be directly deposited into your bank account!
Question: When do I have to pay my loan back?
Answer: You will have TWO options of payment We can debit the entire amount of your account on your next pay day Example: $500.00 + $10% fee $50.00= $550.00 *$550.00 debited from your account on payday Or 2. We can extend your loan (no more than 4 times per loan) by you simply contacting us 3 days prior to your due date, we will then only debit as little as the minimum fee which will extend your loan until your next payday (please keep in mind this option can only be exercised 4 times per loan) Example: Borrowed Amount: $500.00 Fee Amount 10%= $50.00 Total Debit from account $50.00
Question: What happens if I can not repay my loan on my due date?
Answer: You should contact us immediately and we will try to make arrangements. If you do not contact us there could be a $25.00 NSF fee.
Question: If I opt to make payments on my loan, can I pay more than just the interest fee to pay my loan down?
Answer: Yes ! You may pay down on your loan as early as your first extension. We allow you to pay down your loan in increments as little as $10.00 above and beyond the interest owed.
Question: Can I repay my loan early?
Answer: Yes, you may prepay this debit at anytime. (See Pre Payment on Contract)
Question: Do I get rewarded for referring a friend?
Answer: Yes ! We will credit your account $10 dollars.
Question: What are your hours of operation?
Answer: We process loans Monday thru Friday from 8:00am until 6:00pm and Saturdays from 9:00am until 1:00pm. Day Loan Processed Funds Available in Your Account Monday through Thursday Next Day Friday Monday Saturday Tuesday
Question: What State do you provide loans from?
Answer: “Get Your Cash Today.com” is a State of Delaware Licensed Lender
Question: How soon can I get a new loan?
Answer: Right Away! As soon as your previous loan has been satisfied.
Question: Who do I call with further questions or concerns?
Answer: You may call 1-866-CSH-TDAY (1-866-274-8329) or 302-892-2800 any time during normal operating hours and we will gladly help and guide you with any questions or concerns. Apply Now!
Question: How will I know when my payment is due?
Answer: GETYOURCASHTODAY.COM will provide you with a short term loan (cash advance / payday loan) in which your next payday will always be your due date, unless your next payday is less than 4 days away, In which case, we will hold your loan agreement until the following payday. The maximum amount of advance time is 31 days, which will only be provided to monthly paid individuals. When your loan is due we will automatically debit the loan amount , plus, our fee ($10.00 per hundred borrowed) from your account You may also choose to contact us within 3 days prior to your due date You may only extend each loan a maximum of 4 times Once a loan is paid in full you may take out another loan immediately

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