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Creditworthiness is a term that describes how worthy a borrower is to repay and receive a line of credit. Lenders look at your creditworthiness before approving you for loans.

In order to find this out, lenders check your credit score, credit report and most importantly your repayment history. Your repayment history contributes 35% of your credit score. Timely payments of your credits are the major tool to measure one’s creditworthiness. It is always advised not to miss your payments or repay them late.

Factors Affecting Creditworthiness

The factors responsible for increasing your credit scores are also responsible for increasing your creditworthiness. Below are some of such factors that affect your creditworthiness:

  • The average age of your earlier and current credit accounts.
  • Whether you are currently owing any debt or not.
  • You should not have filed any bankruptcies in the past.
  • Whether you pay back your debts on time or not.
  • The number of times your credit report has been accessed by various lenders.
  • Frequent application to loans.
Determination of Creditworthiness

Creditworthiness is represented numerically in the form of a credit score. A Credit score is a three-digit number that is the summarized version of your credit report and credit history. And, these detailed research on the creditworthiness is being performed by a credit bureau.

Though, there are a large number of companies that research on the creditworthiness of individuals. But mainly there are three credit bureaus that are currently operating in the country. These are - Equifax, Experian, and TransUnion.


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Applying Does NOT Affect Your Credit Score

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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