MobileLoans.com is here to help you on your terms.

Simply choose your loan amount and fill out our form and we will attempt to connect you with a lender in our network or in one of the other lender networks we work with. If none of these lenders offer you a loan, we may pass some limited information about you to marketing partners so you can receive offers for credit repair, credit monitoring, debt relief or similar services.

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There are many reasons why people may need cash loans, which are also sometimes known as fast cash loans. The fact is, at some point just about everyone goes through a period when their household finances seem to be stretched to the limit. Furthermore, medical emergencies, auto mishaps and other unexpected occurrences requiring a considerable outlay of cash always seem to happen when people are tight on money or in between paychecks.

In these situations, individuals often find that they have few good options to choose from to solve their financial problems. Increasingly, however, fast cash loans are proving to be an ideal option for people nationwide. Consumers can acquire these loans to help them cover financial shortcomings, and they can get this help more quickly, conveniently and easily than from traditional lenders such as banks. Here at MobileLoans.com, we specialize in connecting people in need with lenders providing helpful cash loans. The lenders in our network and in the other third-party lender networks we work with include state and Tribal lenders. Tribal lenders’ rates and fees may be higher than state-licensed lenders, and are subject to federal and tribal laws, not state laws.

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What Are Cash Loans?

Cash loans are small, short-term loans that provide individuals with much-needed money to help cover emergencies. They range from $100 to $1,000 and come with a loan period of anywhere from 10 days to 31 days. While there are other options out there for those in need of money, such as a small loan from a bank or asking friends and family for assistance, a cash loan is the often best option for many individuals. In addition to traditional loans, some lenders in our network may offer line of credit. Below are a few of the reasons why this is the case:

  • Quick loan decision: The lenders we have access to can make a decision about your loan quickly.
  • Cash in hand fast: The funds are usually transferred to your account within one business day of the time you get approved by the lender you are connected with.
  • No embarrassment: It can be difficult to admit to family members and friends that your finances are stretched; cash loans allow you to avoid this embarrassment, as they can be acquired safely, securely and discreetly online.

Our goal is simple: to help you get money into your pocket quickly so you can make it to the next payday. To help us achieve this goal, we have made the process of receiving a loan offer from a lender fast and easy from start to finish. The first step is to fill out our brief loan form, which takes just a few minutes.

Eligibility Requirements

Here are some of the requirements that a prospective borrower must meet. Please note that meeting these requirements does not mean that you will be connected to a lender.

  • Be at least 18 years old
  • Be a U.S. citizen or permanent resident
  • Earn a steady monthly income of at least $1,000 after taxes
  • Have a checking account in your name
  • Be able to provide work and home phone numbers, as well as a valid email address

After you submit your loan request, it generally takes only a few minutes for one of the lenders in our network or in one of the third-party lender networks we work with to choose whether to offer you a loan. If one chooses to offer you a loan, you will be redirected to their site and/or they will contact you about your offer. If none of these lenders offer you a loan, we may pass some limited information about you to marketing partners so you can receive offers for credit repair, credit monitoring, debt relief or similar services.

Convenient Loan Disbursement and Repayment

If you are connected with a lender, all you need to do is review the contract, affix your e-signature to the lender’s contract, and wait for your funds, which will be deposited directly into your bank account via electronic fund transfer in as little as one business day!

Loan repayment is just as easy, as your lender, once the due date rolls around, can simply withdraw money electronically from the same account into which they originally deposited your funds. And in case your loan period ends and money is not in your account to repay the loan, make sure to contact the lender ahead of time so you can inquire about an extension. Many lenders will offer extensions so individuals don’t risk damaging their credit because of non-repayment.

Helpful Borrowing Tips

When taking out a cash loan, consumers should always be sure they are seeking short-term assistance for valid emergencies. Such emergencies include medical and auto mishaps or unforeseen expenses related to the home and family. It is dangerous for individuals to take out a loan for reasons other than these, especially for things such as big-ticket purchases or paying off a portion of a credit card bill. Using a loan for these things often can leave individuals lacking in funds when repayment becomes due, making their financial situation even more precarious.

Also, remember to only take out a loan for the exact amount you need. Taking out more money than necessary will just leave you having to potentially pay back more in fees and charges.

Safety and Security

MobileLoans.com prides itself on providing consumers with a fast, simple, and free service. We use industry-standard measures to protect the privacy of individuals who submit our loan request form.

Additionally, the lenders that may offer you a loan after you submit your request are required to comply with federal laws like the Truth in Lending Act and are required to make important disclosures to you before you accept a loan offer.

There are a lot of lenders in the cash loan industry. Be selective when you get your cash loans, and remember that we do not control and do not endorse the lenders in our network or in the other third-party lenders networks we work with.

 
 

APR – Representative Range Explanation

APR stands for Annual Percentage Rate which represents the annualized interest rate that you are charged. MobileLoans.com is not a lender and does not provide cash loans but refers consumers to lenders who may provide loans of this type. MobileLoans.com does not charge any fees for this service. MobileLoans.com is not able to supply you with the exact APR that you will be charged by your lender. APRs can vary based on the information that you supply in your loan request as well as the information that your lender supplies. Your lender will provide you with details on the APR, loan finance charges and other terms when you are redirected to your loan agreement during the loan request process. For help with any MobileLoans.com-related services consumers may Contact Us.

The APR on a cash loan can range from 250 percent to 2,350 percent depending on how it is calculated which may include variables such as the term of the loan, fees incurred (non-payment, late fees, etc...), loan renewal options and other variables. Please in mind that the APR range is not your finance charge, which will be disclosed by your lender later on in the request process.

See a Representative Example

Nonpayment Ramifications and Other Things to Consider

All lenders are required under the Truth In Lending Act to give customers detailed information on terms and conditions prior to their acceptance of the loan offer. It is recommended that you closely review the terms of any loan offer presented to you. For more details about the aforementioned considerations see our Lending Policy and Rates & Fees sections.

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YOU CAN BORROW $300 FOR 14 DAYS WITH A $40 TO $80 LENDER CHARGE. YOUR ESTIMATED APR IS 347% TO 695%*

Cash loans are relatively pricey when compared with other loan types. Cash loans are not recommended as a long-term financial solution and should only be taken out in emergency situations.

*Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100
Low End Calculation: ($40 / $300) * (365 days / 14 days) x 100 = 347.62%
High End Calculation: ($80 / $300) * (365 days / 14 days) x 100 = 695.24%

Financial implications (Interest and finance charges)

If you are approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to you formally accepting their offer. MobileLoans.com is not a lender and cannot predict the exact fees and interest that will be attached to the loan offer presented to you. You are not under any obligation whatsoever to accept the terms that the lender presents to you.

Implications of non-payment

When you accept the terms and conditions for a particular loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time specified in the documents that your lender supplies. Additional charges or fees may apply in the event that you are not able to repay your loan in full or make a late payment. MobileLoans.com cannot predict the amount of the charges or fees that you will incur as a result of partial payment, late payment or nonpayment. MobileLoans.com has no control over knowledge of the loan details between you and your lender. Please refer to the partial payment, late payment and nonpayment policies detailed in the loan documents that your lender provides you with.

Potential impact to credit score

MobileLoans.com does not make credit decisions nor does it ever conduct credit inquiries on potential borrowers. Some of the lenders who may offer you a loan may choose to conduct a nontraditional credit check in order to determine your eligibility for a loan. Lenders typically will not conduct a credit inquiry with any of the three major credit reporting agencies (Transunion, Experian and Equifax). Ultimately, your credit score may be affected by the actions of a particular lender. If you do not repay your loan on time your lender may report this delinquency to one or more credit reporting agencies, which could have a negative impact on your credit score. MobileLoans.com encourages consumers with credit problems to consult a Credit Counseling company.

Collection Practices

MobileLoans.com is not a lender and does not engage in debt collection practices. Your lender will disclose their collection practices to you in their loan documents. If you are not sure of the collection practices used by a specific lender we recommend that you discuss this issue with the lender directly.

LOAN RENEWAL POLICIES

Loan renewal policies are largely governed by state regulatory laws. Loan renewal options will be presented to you by your lender prior to your acceptance of their loan offer. Please be sure to carefully read the renewal policy presented to you before you sign the loan documents. Cash loans are intended to be a short-term financial instrument. MobileLoans.com encourages all borrowers to repay their loan in full and on time in order to avoid nonpayment and/or late payment fees. If you think that you may be unable to pay off a cash loan after taking it out, we recommend that you explore Loan Alternatives before submitting a request for a loan.