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Credit Counseling

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Credit Counseling

Credit counseling is a process where debtors are assisted with debt settlement by providing basic financial education on money management by a non-profit organization known as a credit counselor. The main objective of credit counseling is to provide guidance and help on debt management and make debtors avoid bankruptcy.

How Does Credit Counselor Works?

Credit counselors work on a basic principle of providing you the best possible options available that can give you relief from the financial pressure that you are going through. Below are some of the ways how a creditor counselor works:

  • Firstly, they review your credit report
  • Secondly, they would offer you solutions in your current state of financial problems
  • Thirdly, they advise you on managing your debts
  • Lastly, they form a personalized plan to help you from future financial hurdles
Credit Counseling
How to Choose a Credit Counselor?

There are plenty of companies that claim to help you come out of your debt and financial struggle. A lot of them can also be a scam and you should always be cautious and choose the one who fulfills the following criteria:

  • Check whether the credit counseling agency is accredited by the National Foundation for Credit Counseling.
  • Verify the counselor with Better Business Bureau and find if the company is trustable or its in good position.
  • Last but not least, always look for an agency that you find comfortable to talk with.

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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

* I have read and understand the Terms and Conditions & Privacy Policy of this loan. All loans financed by CashAmericaToday