CashMeHappy.com is not a lender and does not make loans or credit decisions. CashMeHappy.com provides a connecting service only and is not acting as a representative, agent, or correspondent for any service provider or lender. CashMeHappy.com does not endorse any particular service provider, lender, nor loan product. You are under no obligation to use CashMeHappy.com ‘s service to initiate contact, nor apply for credit or any loan product with any service provider or lender. This service is not available in all states.
Consumers submitting an application for a loan at CashMeHappy.com incur no cost. CashMeHappy.com does not provide lending services directly to consumers. Based on the application consumers submit, CashMeHappy.com searches its database housing its vast network of reliable lenders to pair consumers with the lender and loan ideally suited to their needs.
All fees and rate information will be disclosed to consumers by their lender at the time of approval. Upon conclusion of the search and application approval, you will be redirected to an e-signature page provided to you by the lender to which you were connected. This document will contain all fees and rate information pertaining to the loan being offered by a lender from the CashMeHappy.com network. Consumers are required to review the fee and rate information provided by their lender at this time thoroughly and completely before agreeing to the terms of the loan. Consumers are under no obligation to accept these terms.
If the consumer decides the loan terms detailed in the lender contract are acceptable and wishes to proceed with the loan process, consumer may append an e-signature to the page. Once the consumer enters into a legally binding contract with the lender, consumer assumes all costs and risks associated with the contract. At that point, the consumer is obligated solely to the lender and is never at any point obligated to CashMeHappy.com. The loan fees and interest rates are determined solely by the lender to which the consumer is connected, with specific amounts determined based upon the application information submitted. CashMeHappy.com has no bearing on the determination of these fee amounts and interest rates.
Cash advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Consumers are encouraged to consult our Rates and Fees page to learn more about the risks involved with cash advances, local laws and regulations governing cash advances, possible loan alternatives and recent developments in their state.
The states this website services may change from time to time and without notice. All aspects and transactions on this site will be deemed to have taken place in the state of California, regardless of where you may be accessing this site. CashMeHappy.com does not guarantee that completing an application form will result in you being connected with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender. CashMeHappy.com specifically does not offer or solicit cash advances in Arizona, Arkansas, Georgia, Massachusetts, New York, Pennsylvania, West Virginia, Virginia, or Ohio. You will not be charged any fees to use CashMeHappy.com ‘s service.
Service providers or lenders will not require credit scores with the three major credit reporting bureaus: Experian, Equifax, or Trans Union. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. Learn more about Rates & Fees.
Emergency is something that comes without any notification. With the current economy it is now impossible to have a salary that can last up to the next pay day. There are some urgent situations which require some immediate cash. This can be much worrying if you have not saved any money in your bank account. There is no need to worry anymore since it is fast to apply for a payday loan. What you need to know is what these loans are and how effective they are. It is therefore good to understand how they work and the expenses they attract among other details.
These loans are short term loans and appropriate for emergencies only. They are mostly suitable when you urgently need money to pay in a later date. In many cases payday loans are intended for emergencies and not for long term problems. The application process is very simple since all that is required is to fill out a form and wait for a while for verification. The process of acquiring payday loan is very efficient and very fast. It is even faster when applying online. Online application has made the loan product available to a larger population. Due to how fast the process is, the loan is also referred to as immediate loan, cash loan or an urgent loan.
For your application to go through, there are a few qualifications that you required to meet. The qualifications are straight forward giving you a high possibility of being granted the money you need. The normal things you may be required to fill in the application form should be accurate. Giving inaccurate information will make your application fail. Nationality, age, a secure job or a stable business are some of the qualifications that are checked on your application form. The requirements facilitate a smooth process when borrowing a loan. Other requirements that may be needed include credit score and other individual requirements. All the personal information given is secure and well protected and only used for intended purposes.
Applying for payday loans is very easy since they do not require a long process. This is the only type of loan that you can get within minutes after application. The process is very fast and even faster through online application. Applying the loan online is simple and very fast since you can apply at home. Online application has the loans easily accessible by many people. There is no paperwork such as faxing or scanning of documents during the process. Through online application it is even possible to submit your forms 24hrs a day and all days of the month. All you need is a computer or a laptop with internet connection.
Since the payday loan is mainly online, the steps to follow in the website are very simple. The websites have enough information about the loans and all terms and conditions can be viewed by anyone. This makes the process very fast. In the website you will also get a chance to speak to customer service agents. The customer service operates twenty four hours a day. This means you can send an email or call any time of the day. The response is always guaranteed and on time.
Many lenders do not require credit checks, this means you can even qualify even with a bad credit. Security is not required when applying for a payday loan. So if you fail to pay you cannot lose your car or your house. Payday loans are examples of unsecured loans with understandable repayment period. Many lenders give a repayment period of ten to fifteen days. This is a good period for any one to receive the next pay slip.
Understanding payday loans and how they work is important. This helps you make a good decision when applying for the loans. Since there are some circumstances that call for fast cash, it is good to have the information. There are some emergencies that cannot wait such as hospital bills and you may not have ready cash. It is in such emergency situations that payday loan comes in to help. If you are in need of payday loans go online to get more help.