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Rating by Finanso®

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 1 Loans


About lender

Cash1 operates in six states of the United States of America. These states are Arizona, Idaho, Kansas, Missouri, Louisiana, Nevada, and Utah. Its head office is in Phoenix, Arizona, with two physical locations in Arizona and Nevada.

Cash1 appears to go against the usual bank trend in practically every way, delivering quick registration and minimal paperwork. Cash1 abides with the Federal Equitable Credit Opportunity Act, ensuring you receive fair and equal treatment. It offers various financial services, including installment and short-term loans.

Pros and cons


  • Longer terms are acceptable.

  • There is no prepayment penalty.

  • Interest rates are low.

  • A platform that is safe and secure.

  • There are loans for bad credit.

  • Processing of applications and payments is simple.


  • No extensions on repayment periods.

  • Only Arizona, Idaho, Kansas, Missouri, Nevada, Louisiana, and Utah residents can apply.

Terms and conditions

The interest rates on loans are different for each state, and this rate will change according to the amount borrowed, your state of residence, and the amount borrowed. You can obtain better interest rates than a conventional bank, even with a poor credit history. You can get an installment loan offer from Cash1 in a short amount of time.

It also lets you use your car as collateral if you want to get a loan in installments. Even though this is a reasonable offer, it could worsen things in the long run.

Cash1 provides installment loans ranging from $50 to $50,000. State-specific variations in interest rates exist. However, terms and costs remain unchanged.

Arizona's annual interest rates range between 120 and 204 percent. Yearly interest rates in Nevada range from 168 to 390 percent. Depending on your credit limit, the annual interest rate in Utah runs between 99 and 299 percent. These percentages are based on 12 months of biweekly payments.

If you miss any planned payment due dates, you pay a $20 fine. Additionally, you could be sued if you fail on your line of credit. Every loan has terms and conditions, and you need to ensure you understand the terms before accepting any offers.

Funding a loan

Personal loans are available in Arizona in-store, or you can start an application online and complete it in-store. Personal installment loans are available in Nevada in-store with fixed-rate payback terms of 90 days, with lower installments repayable over a more extended period. A personal online line of credit is available in Idaho, Kansas, Missouri, and Utah online only. When you're running low on cash, keep some on hand. You can withdraw money online as many times as you need until your credit limit is reached.

You can get funding in cash if you visit an in-store location. Alternatively, the lender will deposit the funding directly to your account via ACH. The money is typically transferred the same day you sign the agreement. It takes about 15 minutes.



What is CASH 1 Loans?

CASH 1 Loans offers various financial services, including installment and short-term loans.

Is CASH 1 Loans legitimate?

Yes, CASH 1 Loans is legitimate.

Can I borrow money from CASH 1 Loans instantly?

Each state's borrowing rules vary. CASH 1 offers residents quick personal loans from $50 to $5,000 in 15 minutes.

Company documents

Terms and Conditions
Privacy Policy

CASH 1 offers a variety of loans to fit your needs. Finding the best loan for you is our specialty! Instant funding is available. Join hundreds of thousands of satisfied customers.

© CASH 1

Calculate loan payments in CASH 1 Loans

CASH 1 Loans calculator will allow you to calculate an approximate payment schedule for the loan

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What to focus on before applying for a loan with CASH 1 Loans

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 1 Loans 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 1 Loans’s reviews by September 2022
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