Frequently Asked Questions

Here at GetCashNow.net, we endeavor to assist consumers in obtaining a fast, convenient way to access short term loans online. Our site assists individuals and families by utilizing our panel of authorized lenders that compete for your business. There is no cost for submitting an inquiry since our service is 100% free. The fees and rates vary by lender and are provided directly by the lender after completing your funding request.

If you are a new customer you may have questions regarding GetCashNow.net. Below you will find that we have provided our customers with answers to our most frequently asked questions. If you have any question not answered in this section, please be sure to let us know and we will add it to our website.

Any questions pertaining to loan agreement, payments, application status and extensions etc will need to be directed to your lender. Once your application has been processed you will be provided with the specific details of your lender. Please ensure you take the time to read our FAQ as it encompasses our most frequently asked questions for new customers.

1. What is GetCashNow.net and how does it work?
2. How do I qualify for a short term loan?
3. How much money can I get?
4. When do I get the money?
5. Can I still qualify if I have bad credit or a bankruptcy?
6. How long does the application process take?
7. How much does a loan cost?
8. If I already have a paycheck advance loan, can I still qualify for a new one?
9. When and how do I pay back the loan?
10. What happens if I make a late payment?
11. Is my private information safe and secure?
12. How long do I need to wait before applying for a new loan?
13. If I'm having trouble paying the loan back, can I get an extension?
14. What happens if I cannot pay the loan back?

1. What is GetCashNow.net and how does it work?

   GetCashNow.net is a free service that connects you with lenders but does not provide loans directly to our consumers. Our network of lenders can quickly provide you with short-term loans, usually between $100 and $1,000. Usually, people need an online loan just to make ends meet while waiting for their next payday. Situations often arise that put people in need of a cash right away. With GetCashNow.net, you can access lenders with the emergency funds you need immediately, in a secure and discrete way. Simply complete our quick application and we will instantly let you know if you are approved. It really is that simple!

2. How do I qualify for a short term loan?

   In order to qualify for an online loan, you must meet the following criteria:

   - Be a legal resident or U.S. citizen
   - At least 18-years-old
   - Have a valid phone number and email address
   - Must possess a valid social security number
   - Have a checking account
   - Earn at least $800 a month
   
   
3. How much money can I get?

   You can request personal loans between $100 and $1,000. The amount you qualify for and can obtain is determined by the lender based on your application.

4. When do I obtain the money?

   After your application has been approved, you can have the funds directly deposited into your bank account. Obviously it depends on what time of the day you apply online but some lenders may be able to process and send the funds within the same day. If funds are not processed the same day when you submit your application, they will be in your account the next business day.

5. Can I still qualify if I have bad credit or a bankruptcy?

   Yes, you can still qualify for a paycheck advance loan whether you have bad credit or no credit. You can also qualify with other credit related issues, such as bounced checks, charge offs or bankruptcy.

6. How long does the application process take?

   The application only takes a few minutes to complete. Once approved, you will usually have the funds in your bank account and ready for use within the same or next business day.

7. How much does a loan cost?

   The services offered by GetCashNow.net are 100% free. Our website connects you with our panel of authorized lenders so you can obtain the short term loan that you need. After filling out our free application, we will utilize our technology with our partners who will be competing for your business with the lowest interest rate offers coming first. Once your loan is approved, you will be provided all documents including the terms of your loan agreement with all the payment information. The loan agreement will state the amount of money you are borrowing, how much interest will be charged, and any additional fees. These terms and conditions vary from lender to lender however it is very important that you carefully read and understand the full loan document before you sign and agree to the terms. When you receive the loan agreement, you are not yet obligated to follow through with taking out the loan. However, after signing or e-signing the documents, you are agreeing to repay the loan and any associated fees. If you have any questions or concerns about any part of the loan agreement, contact the lender directly for clarification.

8. If I already have a paycheck advance loan, can I still qualify for a new one?

   Yes, you may still qualify. Depending on your state, having an existing loan may not prevent you from re=qualifying.

9. When and how do I pay back the loan?

   The details of how and when you make payments on the paycheck advance loan will vary from lender to lender. Generally, the preferred method is to have the payments automatically deducted from your bank account on the agreed upon due date.

10. What happens if I make a late payment?

    Each lenders sets their own fee scale for late and missed payments, which is all found in the loan agreement. Before signing or e-signing the loan agreement, be sure to fully understand all the costs and fees associated with the loan.

11. Is my private information safe and secure?

    Yes, your personal information is safe and secure. Our website, GetCashNow.net, is protected by state-of-the-art security systems. Your personal information is protected by an AES-256 Bit SSL encrypted network. It meets industry security standards, and all information provided is encrypted during submission.

12. How long do I need to wait before applying for a new loan?

    Usually, you can apply for another loan after 3 days. However, this information should be disclosed to the lender.

13. If I'm having trouble paying the loan back, can I get an extension?

    Whether you qualify for an extension, or "rollover," on your paycheck advance loan depends upon the the state in which you reside. Individual state mandates determine whether a lender is allowed to grant an extension. If your states does allow extensions, you will need to contact your lender directly to work out the details. If you are unsure if your state allows extensions, contact your lender. If you foresee any issues with making a payment on time, contact your lender immediately to try to avoid any additional fees or charges.

14. What happens if I cannot pay the loan back?

    If you are unable to repay the loan, the lender can use legal means to collect the funds that are owed. If you are concerned you may not be able to make a payment, contact the lender immediately to make arrangements and possibly avoid additional fees, charges or higher interest rates. Paycheck advance loans are intended to help with the need for emergency funds for a short period of time. Only request the amount you actually need for your situation and be sure you will be able to repay the loan in the agreed upon terms.