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Credit is a contractual agreement where one party lends a certain amount of money to the other party, on the basis of trust. In this process, the borrowers agree to repay it on a future date to their lenders. Most of the times, the goods or money borrowed in this process is returned along with an interest. Credit is also the creditworthiness of an individual or a company, based on your earlier repayments to other lenders.

Credit in Accounting

In accounting, credit is an entry that either decreases the value of assets or increases the value of liabilities. While entering any financial transactions into records, credit appears on the right side and debit falls on the left side of an account. For example, if there are goods purchased on credit then the purchased goods will be added to the asset of the company in the form of an increase in the stock by that amount.

Types of Credit

Credits are of two kinds - secured and unsecured credit. Secured credits are lent in return of collateral (any valuable asset), which is to be returned to the borrower after successful repayment of the loan amount.

Unsecured credits are the loans that are granted without taking any collateral from the borrowers. Such credits are of higher risk for the lenders and hence come with excessively high rates of interests for the borrowers.


1. Wikipedia

2. Investopedia

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We are registered with Utah's Department of Financial Institution to provide Consumer Credit. If you submit this application via the internet to us, we will receive and process it the same as if you submitted it to us in person thereby making Utah the place of negotiation, execution and performance of all applications and/or agreement. If we approve your application, the funds will be disbursed from our account in Utah. Utah law governing consumer loan agreements may differ from the laws of the state where you reside. Applicant is responsible for complying with all statutory obligations regarding obtaining loans by internet that may exist in their state of residence. This service may or may not be available in your particular state.

CashAmericaToday does not perform any credit checks through the three major credit bureaus Experian, Equifax or TransUnion. We collect required information regarding debtors' creditworthiness from a third party source.

Approval time depends on the authenticity and verifiability of your documents. You might be requested to provide further information if required. Note that we do not approve all the loan requests. On the basis of state laws and your repayment ability, the terms and rates may vary. Any loan requested on Friday after 6:00 PM CST will be processed on the next business day which is usually Monday- unless it is a holiday.

Should you have any doubts, please call our customer support at (855) 840-5688, Monday-Thursday: 7:00 AM to 4:30 PM (CST) or email to

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