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Lender
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Cash N Go

Finanso.Multilogin™

About lender

Cash N Go is a lending provider which has been operating in the finance industry for the last 12 years. The company offers communities easy approval and affordable long-term financial solutions. The lender enables individuals to borrow funds and receive services from any of their branch personnel.

Cash N Go believes that each need is unique; therefore, they offer a variety of short-term payday loans to borrowers. The company provides payday loans through its eight centrally located branches and is not an unaffiliated third-party lender.

It is one of the top financial institutions that offer services ranging from short-term payday loans, secured installments, and unsecured personal loans. Cash N Go also offers instant E funding and check cashing service to its customers. The company also ensures that the service offered is secure and the loan terms are flexible. The interest rate for all the offered services is competitive compared to other companies.

Pros and cons

Cash N Go offers a variety of loans, including payday loan services to individuals, which are processed at a faster rate. Before borrowing a loan from the website, it is important to measure all its advantages and disadvantages.

Pros

  • The website is licensed and regulated by federal law issued by the state of Missouri.

  • The maximum interest rate charged is capped at 457%.

  • The company offers fast, secure, and reliable funding methods.

Cons

  • For every 100$ borrowed through payday loans, you will be charged 8.75$ every week, which is very high.

  • The creditworthiness of the customer and the ability to pay back determine the rate charged.

Loan conditions

Any person who lives in Missouri can apply for a loan at Cash N Go. Advertising yourself as eligible for a loan will not be helpful if you want to borrow funds from this lender. The company offers certain loans to people without even checking their credit scores and does not record information provided by the applicant.

To be eligible for a loan, the company does not reveal exactly what the pre-requisites will be, but the borrowers should still try to fulfill certain general loan requirements. The borrower must be 18 years old with a valid government ID accepted by the state bank to back their claim. They must have a steady income, which their bank account statement will back. They should have an active phone number. Furthermore, if you want to obtain a secured loan, borrowers are typically required to provide collateral against their loan to collect a better deal. The bank will also have to identify other information like your current location, so proof of address will also be needed to enhance your chances. These documents will not be required when you apply for a loan through their site.

Funding a loan

To fund a loan, you will have to complete an online application subject to further review from managers or any branch representative. Borrowers can fill up an online inquiry form from the company's site. Be aware that the company has access to all the information submitted by the applicant. To benefit from this service, users can fill out the form from any browser present on their phone or PC. The bank generally gets back to the customers through their partners within two to four weeks.

FAQ

What is Cash N Go?

Cash N Go is a unique short-term money lending company that provides fast loans to people who need extra cash. The loans are meant for those who require a small amount of money for a short period.

Who owns Cash N Go?

Cash N Go is a self-owned entity, and there is no information about its subsidiaries. This means that the company is operated independently.

How do you qualify for Cash N Go?

To enhance your chances for approval, you must be at least 18 years old, have an active checking account, provide proof of income, and have a valid government ID. If you have a decent credit score, it can be advantageous if you want to apply for secured loans). Apart from this, the borrower might be requested to present other data depending on their loan requirements.

How much can you borrow from Cash N Go?

Cash N Go is an online money lending business operator that allows users to borrow different loans ranging from $50 to $2000. The least borrowable loan starts at $50.

Is Cash N Go a legitimate company?

According to the data provided, Cash N Go is licensed and regulated by the state of Missouri, which makes it a legitimate company in its operated location.

At Cash N Go, it’s about "Building A Relationship, One Loan At A Time"

© Cash N Go

What to focus on before applying for a loan with Cash N Go

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Cash N Go and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Cash N Go’s reviews by October 2022
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