Installment Loans for Bad Credit that are
Approved Instantly

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.

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

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.

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.