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Debt is the amount of money owed by one party to another party. Here, the parties are generally known as debtor and creditor, i.e., the party that owes the amount is the debtor and the party who lends the amount is the creditor or lender. Debt is a deferred payment, meaning the owed amount is to be paid back at a future date.

In accounting, debt is considered as a liability i.e., when you owe a debt then you are lawfully responsible to repay it to your lender.

Types of Debts

Below are the most common types of debts:

1. Secured Debt: Secured debt is a form of debt that is required to be backed by some security. The most common examples for such loans are mortgage loans and auto loans.

2. Unsecured Debt: This kind of loan is provided without keeping any asset as security. Borrowing money from a credit card is the best example of such loans.

Below are some of the forms of loans or debts that are provided by lenders:

  • Credit Card Debts
  • Personal Loans
  • Student Loans
  • Mortgage Loans
  • Medical Bill Debt
  • Auto Loans
  • Business Debt
Know Your Finances

There can be situations in life where you need to get debt. But it is also necessary to understand the ways to manage your finances to avoid depending on them every time you need money. Some of the ways that one should follow to manage your debts are:

1. Pay your bills on time each month. If necessary, create a monthly calendar for a bill payment that helps you figure out the amount to be paid by you.

2. Always maintain a fund along with every loan you owe, to pay off the interest of all your ongoing loan. This will help you pay back your loan on time.

3. Know about the loans that you apply. You should always be aware of the pros and cons of the loan you are applying for in order to prevent your finances that get affected badly.

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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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