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We are a direct lender aimed at helping those who are in financial distress. We are not a third party lender and unlike many such websites, do not expect you to wait till you find a perfect match with a lender with regard to your needs and situation.

At CashAmericaToday, we do not expect you to wait for hours or days to know the status of your loan request. Your loan is either approved or not almost immediately after you send across the required documents.

Every state has a different set of rules regarding short term loans, and we make sure to abide by each one of them. Your loan will therefore depend on policies regarding the same of the state that you reside in.

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Debt collection:

In case of the failure to repay a loan, we do not use unlawful ways of getting paid back. However, it is legal for us to use lawfully approved means to get a borrower to repay his/her loan. One should know that not being able to repay isn’t a criminal offense and hence jail-time is out of the question. However, we will be allowed to open a case which may be stressful for the offender.

That is why we suggest that if paying back seems too difficult a thing to do or close to impossible, a better option would be to seek help from close ones. One should always make sure, before applying for a loan that it is essential to judge fairly, your ability to repay. After all, nobody wants to go through the hassle of facing court cases and being liable to another.

While following the Fair Debt Collections practicing Act’s guidelines, we make sure to:

  • Contact our debtors only between 9am-8pm
  • Not use hurtful, abusive or uncalled for language while talking to our borrowers
  • Not use false information against our debtors
  • Not threaten borrowers with criminal charges

What is the Truth in Lending Act?

It is an Act that was implemented to help borrowers understand the terms and conditions of their lender in order to avoid fraud. By following the same, CashAmericaToday ensures transparency in all our doings including rates, fee structures, etc. We believe in fair lending practices which is why we make sure to give a fair picture about our policies, terms and conditions to our borrowers.

What do State Regulations Include?

The policies of payday, installment and other short-term loans vary from state to state. Regulations differ in terms of rates of interest, maximum extension periods, maximum loan amount provided, number of rollovers, etc. It is good to find out the various policies and other regulations laid down by your state for loans, before choosing to apply for one.

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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