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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.

Apply for a Cash Aisle's loan

Finanso.Multilogin™

How to Apply

Requirements

Cash Aisle has a set of requirements for the borrowers to qualify for the loan agreement. They are:

  • Being at least 18 years of age,

  • Having an open bank account,

  • Having a working e-mail address and phone number,

  • Being a U.S. citizen or permanent resident,

  • Not being active military,

  • Receiving regular income.

In addition to these requirements, you will need to provide your ID verification, W-2 form, and other official documents the lender can ask you for.

Application Detailes

You can reach Cash Aisle from Monday to Friday, 8:00 am to 6:00 pm CST. They are closed on weekends. Once the application is verified, the qualifying individuals get the notification almost immediately. The process takes as soon as the similar day of the customer's application. Following the submission of your application, extra verification may be required. It can only be completed during regular business hours. You will be notified about the decision on your application. The money (if authorized) will be sent to you via ACH the next business day.

Applications rejection is usually caused by not meeting the minimum requirements for Cash Aisle loans. The most typical the rejection reasons are:

  • Living in Arkansas, Connecticut, Florida, Illinois, Missouri, New Mexico, Nevada, New York, Pennsylvania, Virginia, West Virginia, or Wisconsin. The services are unavailable in those states.

  • You are active in the military.

  • You have a low credit score and bad credit history.

  • You don't have a steady source of income or failed to prove it.

If you are interested in requesting a loan from this company, click the Apply Now button on the site. It will direct you to an application form where you need to provide your first and last name, phone number, and e-mail address.

Fill in information like your social security number, date of birth, and address. Next, specify your employment and banking details. Submit your application and wait for a response.

FAQ

How long does it take to get approved by Cash Aisle?

After you submit application details for a loan, you will get a decision right away. Sometimes the verification takes time, and you can get an answer the next business day.

How trustworthy is Cash Aisle?

Cash Aisle is a company offering installments. It has a valid financial license issued in 2020 under the independent regulatory body of the Chippewa, a federally recognized Indian Tribe. It is a member of the Online Lenders Alliance (OLC), an industry group representing members in the online financial services business.

Does Cash Aisle verify income?

Yes, Cash Aisle verifies the applicants' income to assess their capability of meeting the payment schedule for a loan.

Does Cash Aisle hurt your credit score?

Cash Aisle lets you pre-qualify for a loan online by conducting a soft credit check. It won't hurt your credit score.

Calculate loan payments in Cash Aisle

Cash Aisle calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount
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Enter the desired loan amount

USD
USD
200 $
2500 $
Loan term
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Specify the loan term for the calculation

months
days
12
18

What to focus on before applying for a loan with Cash Aisle

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 Aisle 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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