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Essential Information for Borrowing Safely

Direct lender personal loans in the form of installment and payday loans are a serving many millions of people in the US alone, each year. These loans are not the lowest cost loans available to individual borrowers and it is in our customers' best interest that we share this fact here, transparently. Also, understanding what costs have to be borne is something that is essential for every borrower.

For any borrower who would like to have clarity regarding our service, we have answered Frequently Asked Questions and any further queries are welcome by our experts who would be glad to respond when you Contact Us.

We address further concerns and important topics with short and to-the-point answers right here for you.

Learn Before Your Loan

Is Borrowing Money from CashAmericaToday the right choice for me?

CashAmericaToday enables borrowing for people to whom conventional loans are not available and can also be useful for people who are unable to get a deal better than we offer or in a shorter amount of time if time is a concern. Certain alternate forms of borrowing could be less expensive at times and they may also help you fulfil your current needs. These may include borrowing from friends, taking a loan keeping a collateral, a credit card cash advance, a personal loan and the like. We believe in Responsible Lending and we encourage you to explore your options before making a decision.

Further, it is important for you to be familiar with how much the loan costs. Application for our loans are free of any charges. The rates and fees are clearly covered in your loan contract. We also share details in our Rates page.

Can a Loan be returned if I changed my Mind?

If you request for a short term advance loan and then realize you do not need it, you can return it to us before the end of the next business day. For example, if you receive the loan on Wednesday, you have time until Thursday 7:00 PM EST to return it, without any penalty. In such a situation, kindly call us at the earliest possible, on our helpline number (855) 840-5688.

I am unable to Understand Certain Terms/Jargons used. What Should I do?

For your ready reference, we have provided a Glossary of Terms that we use throughout the website that may be industry-specific. While we have tried to make it as thorough and simple as we can, should you still feel the need for further clarity, we recommend looking it up on or contacting our customer service.

What must I do if I need to change my Repayment Method or if I believe I have provided incorrect Account Details for a Deposit?

In either of these situations, we suggest that you first contact our customer support. If you believe that a wrong transaction has already been processed, you would have to get in touch with your bank as well. As an account holder, you would have the right to ask your bank to reverse the payment as well. Acting quick in such a situation, is important.

Whom do I Contact regarding Complaints?

We strive to maintain perfect customer service and standards. However, there could be times when something goes wrong and we would always do our best to resolve issues for you. We are available on call and on email and would be thankful for you to have given us the opportunity to address your concerns, complaints or faults in our services. Please reach out to our customer care at (855) 840-5688 or email us at and we shall work towards resolving issues at the earliest.

Is Transacting with CashAmericaToday safe?

CashAmericaToday is a direct lender with years of trusted service. Our website is verified and secured with 128-bit encryption. All data you provide us is kept secure from threats. Our Privacy Policy states specifics related to how your data is used by us. We are a trusted lender providing legitimate short term loans via a fully online process and transparent terms and conditions.

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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