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Fast cash loans online, where Customer Service is an Attitude not a Department! |
This is the down and dirty on the Internet Payday
Loan Business. |
Questions Answered
1. What is the number one reason customers get turned down for a loan? Inconsistencies between the Application and the Documentation. For example, if you stated you had 2 NSF checks on the Application and your bank statement showed 6 NSF checks, your validity is already shot! So put down the right number as some lenders don't care about NSF's or even documentation. |
| 2. What is the number two reason customers get turned
down for a loan? Again, lying on the Application, for example, applicant states they have no other loans out but a check of TeleTrack shows two other loans. |
3. Number three reason. Multiple applications at different sites. Most lenders use TeleTrack and every inquiry shows-up. So most lenders know you've applied at more than one place and they will all turn you down |
| 4. . How do I get the money? Overnight funding is done by ACH. "Cash" is electronically deposited into your bank account |
| 5. How do I get money in an hour? So far only Nevada and certain Texas customers can get one hour funding. |
| 6. What about "no fax" loans? No fax loans are for small amounts. If you want a larger amount, then you have to fax. We don't know of anyone who is going to give you $500 without faxing on a first time loan. |
| 7. What does funds "sent out every hour mean"? This is sales hype. ACH is overnight regardless of when in the day (before the cut-off time) it is sent out. Don't buy into this. Also be careful of wire transfers as the lender and your bank will charge you extra. Banks and credit unions sometimes charge up to $45.00 to receive a wire transfer. So if you don't absolutely need same day funds, don't wire transfer. |
| 8. Is funding available in all areas. No. None of our lenders will fund in Georgia, Kansas or Colorado. |
| 9. What about credit checks? Our lenders do not check the major credit bureaus Some lenders however, check TeleChek (NSF check reporting service), TeleTrack (TeleTrack is a reporting service for sub prime lenders (rent-to-own, payday advances, cash for title auto lending, etc.), SCAN (NSF reporting service) and some others of the same type. |
| 10. Does Fast Cash Online lend money? No! Fast Cash Online is a loan aggregator. We only process and arrange funding for you per your needs. |
| 11. Are there any up-front , processing or application fees? No ! |
| 12. How much do these loans cost (interest)? Usually $25 per $100 for two weeks. For instance: If you borrow $200 for two weeks, you will pay $50 interest for two weeks. The APR will be 651.790%. See the APR calculator for APR or the Utah fee schedule. |
| 13. How much can you get? Usually 10% to 30% of your net monthly income. |
| 14. Do you need direct deposit? No. Several lenders require you to have been on your job for 6 months if you don't have direct deposit, but we also have lenders that don't use that criteria. |
| 15. What kind of a loan is this? Short term non collateral personal loan. |
| 16. Why should you use Fast Cash Online's services? We are working for you not the lender. Only one inquiry will show up on your TeleTrack report. We don't get paid if your deal doesn't fund. We use Secure Loan Processing.com for fast processing. We care about our customers and we know who puts braces on our kids teeth and it's not the lenders. Customer Service is an Attitude not a Department at Fast Cash Online! Customer care is our number on priority. |
| 17. Is funding available in all areas? No. These services do not constitute an offer or solicitation for short term loans in all states. These services may or may not be available in your particular state. The states these lenders service may change from time to time without notice. No funding available in Georgia, Kansas, West Virginia, and Colorado. |
| 18. Is there a pre-payment
penalty. No. If you want to payoff early, the lender will prorate the loan to the number of days you had the funds. Also they will rebate you in case of overpayment. If you want to pay off early, just give the lender a call and they will calculate the new rate and ACH your bank account for the reduced pre-payment amount. |
| 19. Can I
rescind my
loan? Yes, if you return the loan amount before 5 PM the following business day. Call your lender if you wish to rescind and they will handle it |
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Customercare@FastCashOnline.com
Fast Cash Online, Inc.
Telephone: 1-888-610-FAST (3278) or 1-702-312-6000
Fax: 1-888-837-FAST (3278) or 1-702-735-6208
Hours: 8:00 AM - 6:00 PM Pacific Standard Time
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