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Frequently Asked Questions

What are Online Cash Loans?

Consumers looking for short-term cash loans between $100-$1000 without a security deposit or complex paperwork and with varying degrees of creditworthiness turn to short-term lenders because they typically only require individuals to have a regular source of income to qualify. Lenders will refer to the information provided in an online loan request form when determining amounts that can be borrowed and other loan terms, and these terms and conditions vary by lender. If an individual's online lending request form is approved by a lender, the lender may transfer or ACH a loan into the borrower’s bank account. The terms of repayment and methods used to implement repayment vary by lender, and it is essential that consumers review the lender’s terms and conditions before entering into a lending agreement. In order to facilitate the referral service provided by the operator of this website, this website contains a secure form requesting information that lenders within the referral network will use when making lending decisions (such as name, address, home and work phone numbers, and email address). An individual's birth date and social security number are collected to comply with the US Patriot Act. The operator of this website is NOT a lender and does not make lending decisions.

What Services are provided by the Operator of this Website?

The operator of this website provides a referral service for consumers seeking online lending options and complies with applicable federal laws and regulations pertaining to this service. The operator of this website can be reached by mail at Search ROI, LLC, 6709 W. 119th Street #338, Overland Park, Kansas 66209, or by email. The operator of this website is NOT a lender. The operator of this website belongs to the Online Lenders Alliance (OLA) and follows their Best Practices. Loan amounts, APRs, fees, repayment options, renewal options and all other lending terms, conditions, and procedures vary by lender. It is essential that consumers review the lender’s terms and conditions before entering into a lending agreement. Late payments of loans may result in additional fees or collection activities, or both. Furthermore, non-payment of credit may also result in collection activities.

What are No-Fax Short-Term Loans?

Lenders review the strength of the information provided on the loan request form when making final lending decisions, and this process varies by lender. Some individuals can receive loans online from short-term lenders without needing to fax additional documentation; however, a lender may require the faxing of additional documentation in some circumstances. The operator of this website only provides a referral service for consumers seeking online lending options,and is NOT a lender.

What to expect when submitting a request for a Short-Term Loan online:

The operator of this website only provides a referral service for consumers seeking online lending options, and is NOT a lender. After an individual submits his or her information into this website’s secure loan request form, lenders will review the information and decide whether or not to offer that individual a loan. The online approval process takes only a few seconds. Because loan terms and conditions (including fees, APRs, and repayment) and lending procedures vary by lender, it is essential that consumers review the terms and conditions offered by a lender before entering into a lending agreement.

Will short-term lenders do Credit Checks?

Short-term lenders typically do not utilize the three credit reporting bureaus (Experian, Equifax, and Trans Union) to review an individual's credit history. However, lending procedures vary by lender and some do. But, most lenders review an individual's information using their social security number in national databases that track consumer transactions with lending institutions (such as Teletrack, DP Bureau, or Data X). Because of this process, consumers with bad credit are often able to utilize the services offered by short-term lenders.

How much do short-term loans cost? What are the Fees and Annual Percentage Rates (“APRs”)?

The operator of this website only provides a referral service for consumers seeking online lending options, and is NOT a lender. Lending fees and APRs are determined solely by the lender, and these terms and conditions vary by lender. It is essential that consumers review the terms and conditions offered by a lender before entering into a lending agreement. The operator of this referral service website is NOT a lender and does not charge a referral or loan request fee to consumers for the use of its referral service. A user of this website is under no obligation to enter into a lending agreement with any lender, and if a lender contacts a user of this website and offers a loan, the user is free to accept or decline any such offered loan at that time.

How soon will the money be available?

The operator of this website only provides a referral service for consumers seeking online lending options, and is NOT a lender. The time it takes to process a loan and transfer or ACH funds into a borrower’s account varies by lender and by the borrower’s financial institution, but approved individuals may receive funding within one full business day after approval.

When does the loan need to be repaid? What happens if I can’t repay the loan on time?

The operator of this website only provides a referral service for consumers seeking online lending options, and is NOT a lender. Repayment terms vary by lender, and it is essential that consumers review the lender’s terms and conditions before entering into a lending agreement. Exact loan terms, along with dates for repayment and any fees chargeable in the event of rollover (i.e. late repayment), will vary by lender, and consumers should review such information provided by the specific lender, before entering into a lending agreement.

What are the codes of practice and policies on responsible lending?

The operator of this website only provides a referral service for consumers seeking online lending options, and is NOT a lender. It is essential that consumers review the codes of practice and policies on responsible lending of any lender, before he or she enters into a lending relationship. The lending conditions and requirements vary by lender, but representative general requirements of short-term lenders may include:
  • Monthly income equal to or exceeding $750.00
  • Current, valid home and work phone numbers
  • Current employment for at least 4 weeks
  • Current bank account in consumer's name

What are the renewal policies?

The operator of this website only provides a referral service for consumers seeking online lending options, and is NOT a lender. Renewal policies vary by lender, and it is essential that you review the lender’s terms and conditions before entering into a lending agreement. Exact loan terms, along with renewal policies, will vary by lender.
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