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Credit Check

Credit Check is a process where a creditor or a lender looks at the information from your credit score, in order to understand your financial behavior. They do not need your permission to check your credit report as this generally takes place when you have applied for a loan from a lender.

Your credit report is a summary of your credit history, in which all the past credit information such as your earlier loan repayments, your current balance of credits, etc. are recorded.

Credit Check
Types of Credit Check

1. Hard credit checks In this kind of credit check, the lender examines your credit report and based on that information they take a decision whether to extend their offer for credit to you. Generally, banks or any other financing companies run a hard credit check on every individual, who has applied for a loan.

2. Soft credit check This kind of credit checks are done by lenders to decide how good your application would be without examining your credit history. The soft searches do not affect your credit score since these are not visible to other lenders or companies.

Importance of Soft Credit Check

When you are applying for a lot of loans in a short span of time and there has been a number of hard credit checks, it tends to lower your credit score as you will start looking risky to a potential lender. However, in case of a soft credit check, it is not true as there is no limit on how many times you had soft credit checks, it will leave no traces on your credit report.

How Can You Avoid Hard Credit Check?

There are a few ways by which you can avoid a credit check such as:

  • Do not apply for a loan if you know you will not be able to qualify for that.
  • You can apply to lenders that dont run a hard credit check like installment loans.
  • Educate yourself to make good credit decisions.

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Applying Does NOT Affect Your Credit Score

CashAmericaToday is registered with the Utah Department of Financial Institutions to offer consumer credit services. When you submit your application to us online, it will be processed just as if you had submitted it in person, establishing Utah as the jurisdiction for the negotiation, execution, and fulfillment of all applications and agreements. If your application is approved, the funds will be disbursed from our account in Utah. Please note that Utah's laws governing consumer loan agreements may differ from those of your home state. It is the applicant's responsibility to adhere to all statutory requirements related to obtaining internet loans in their state of residence. Please be aware that this service may or may not be available in your specific state, and loans are not offered in the state of Michigan.

CashAmericaToday is a brand of Silver Financial Capital. The purpose is to meet your short-term borrowing needs, not long-term financial needs. Please note that this is an expensive form of borrowing. The loans and lines of credit may be used for whatever reason you need, like unexpected emergencies, car repairs, medical bills, or travel expenses. In addition, alternative forms of financing like credit card cash advances, personal loans, and home equity lines of credit might be more affordable and better suited to your needs.

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, usually Monday- unless it is a holiday.

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

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