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 For Whatever Review

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About lender

Cash For Whatever is a financial services company that offers online personal loans that you can pay back in installments. Based in Chicago, Illinois, USA.

Cash For Whatever will keep you updated. They are proud of fast turnaround time and so are their partner lenders. They may approve your online application in minutes and you can get the money in as little as 1 business day. Actual loan terms, fees, interest rates and other loan terms will vary based on your qualifications and state.

cash for whatever review

Key Features

  • Pricing. Cheaper than tribal lenders and payday loans. Cash For Whatever offers discounts to customers.

  • Customer Service. They offer great customer service through multiple channels. Members get access to email content, private Facebook group and online events for free.

  • Reputation. No profile on Better Business Bureau but good reviews on Trustpilot.

  • Speed. Fast and efficient from purchase to delivery or payment.

  • Availability. Apply in Texas, Missouri, Wisconsin, Utah, South Carolina and Illinois.

Pros and Cons

Pros

  • Fast. Quick and easy way for customers to get cash when they need it.

  • Lower Credit Requirements. Applicants with bad credit can apply for a loan and get funded. May not even do a credit check.

  • Online Application. Cash For Whatever allows customers to apply for loans or other financial products online. Easy to do from the comfort of your own home.

  • Flexibility. May offer flexible repayment terms or loan amounts so customers can choose what works best for them.

Cons

  • High Interest Rates. Lender charges high interest rates on loans. Not a long term financial solution.

  • Short Repayment Terms. Cash For Whatever requires customers to repay loans in a short period of time which can be tough for some borrowers.

  • Risk of Debt. Lender promotes short term loans which can lead to customers accumulating a lot of debt if they can’t repay loans or other financial products.

Reliability

  • Better Business Bureau. Cash For Whatever has a D- rating on Better Business Bureau and is not accredited by BBB. 3 complaints in the last 3 years.

  • Reviews. Customer reviews give the company 1/5 on BBB and 4.6/5 on Trustpilot.

  • Accreditation. Cash For Whatever is a member of Online Lenders Alliance. The Alliance sets the standards for online lenders and monitors the Internet for bad actors. Cash For Whatever is licensed in the states it operates.

  • Disclosures. Company allows potential borrowers to see the terms before they apply. Good to see so you can decide if the lender is good before you engage with them.

How to Apply for a Cash For Whatever Loan?

Apply for a Loan

  1. Visit the Website. Go to the official Cash For Whatever website.

  2. Click "Apply Now." Find the "Apply Now" button on the homepage and click it.

  3. Enter Your Personal Details. Provide your full name, email, and create a password for your account.

  4. Input Birthdate and SSN. Enter your birthdate and Social Security Number (SSN) for verification purposes.

  5. Provide Phone Number and Monthly Income. Enter your phone number and specify your monthly income.

  6. Choose Communication Preferences. Select how you would prefer to be contacted, and indicate if you are affiliated with the military.

  7. Click "Apply." Submit your application by clicking "Apply."

Conditions and Requirements

Conditions

  • Minimum First-Time LoanThe minimum loan amount for first-time borrowers is $200.

  • Maximum First-Time LoanFirst-time borrowers can receive a loan up to $800.

  • Maximum Loan AmountThe maximum loan amount for returning borrowers is $1,500.

  • Loan TermsLoan terms range from 4 to 8 months with no prepayment penalty.

  • Annual Percentage Rate (APR)The APR for Cash For Whatever loans is approximately 599%.

Requirements

  • Age RequirementApplicants must be 18 years or older.

  • CitizenshipYou must be a U.S. citizen to apply.

  • Active Email AddressA valid and active email address is required for communication.

  • IdentificationYou need a driver's license or valid state identification.

  • Checking AccountAn active checking account is necessary for loan transactions.

  • Proof of IncomeProof of income via direct deposit is required to demonstrate financial stability.

Ways to Recieve the Money

Completing an online application with Cash For Whatever may match the lender’s score. Since Cash For Whatever works with a network of lenders, they can connect you to multiple providers. TrustedLoanNetwork can ensure you get connected to your lender according to the options available based on your online application and lender’s criteria. Online application takes less time and you will know the approval result instantly. For qualified borrowers, the company can fund the loan within minutes of approval anytime of the day. Once approved, funds will be transferred to your bank account the next business day or same day.

Products

Cash For Whatever offers personal installment loans to help with various needs such as vacations, car repairs, unexpected expenses, pet care, home improvements, technology purchases, medical bills and moving costs. Application is streamlined and done entirely online so approval and funding is fast, often within one business day. No prepayment penalty so borrowers can pay off the loan early without extra charges.

Other Personal Loans

Reasons for Loan Refusal

Cash For Whatever may deny a loan application for several reasons. Common reasons are low credit score or bad credit history which signals to lenders a higher risk of default. High debt-to-income ratio means the applicant has too much existing debt compared to their income and adding more debt is risky. Unstable employment history or insufficient income may also be a reason for denial as lenders prefer borrowers with stable income to ensure timely payments. Incomplete or inaccurate information provided during application may also result to denial as well as not meeting the lender’s minimum requirements such as age or residency. State specific regulations may also restrict lending practices so application may be denied based on the applicant’s location.

Check Credit Score

How to Repay a Cash For Whatever Loan?

Repay

To pay back a Cash For Whatever loan, borrowers can set up automatic payment through their bank account for convenience and on time payment. Borrowers can also log in to their online account portal to make manual payment, check due dates and track remaining balance. Cash For Whatever allows early loan payment with no prepayment penalty so borrowers can pay off the loan faster if they want.

Loans like Cash For Whatever

OppLoans

Apply for a Loan

OppLoans is a notable financial service provider that offers consumer loans varying from $500 to $4,000. They expedite the funding process to ensure that approved applicants receive the necessary funds promptly, which is advantageous for those dealing with immediate financial concerns. OppLoans offers adaptable repayment conditions, giving customers the choice between 9, 12, and 18-month loan terms. This adaptability allows borrowers to opt for a repayment plan that matches their financial ability, ensuring a seamless and manageable loan journey.

About OppLoans

Rise Credit

Apply for a Loan

RISE Credit is a reliable online lender that provides loans up to $5,000. They have a streamlined application procedure, allowing borrowers to have funds transferred to their accounts as early as the next business day. They present the flexibility of choosing a payment schedule that fits with the financial preferences of the customers, although some state-based restrictions might apply. A notable feature of RISE Credit is its 5-Day Risk-Free Guarantee, which permits borrowers to revoke their loan and return the principal with zero fees or interest within the given period. Additionally, RISE Credit grants customers complimentary access to their credit score and credit monitoring alerts through Credit Score Plus, offering valuable financial insight.

About Rise

OneMain Financial

Apply for a Loan

OneMain Financial stands as a distinguished and enduring lender, offering personal loans that range between $1,500 to $20,000. Boasting a century’s worth of experience in the financial sector, they have garnered the trust of a vast customer base. Their loan terms include fixed rates and fixed payments, offering a predictable and manageable repayment scenario to borrowers. OneMain Financial emphasizes personalized service, ensuring that the distinct needs of each customer are addressed. With a widespread network of approximately 1,400 branches, they provide easy access and convenience for individuals in search of financial aid.

About OneMain Financial

Universal Credit

Apply for a Loan

Universal Credit requires applicants to have a minimum credit score of 560, thus excluding those with no credit history. It is appealing for its credit-enhancement features, making it suitable for individuals with fair or poor credit looking to better their scores. Providing larger loan amounts than Oportun and next-day funding upon approval, it emerges as a solid choice for significant, urgent financial needs. Universal Credit extends its loan services across all 50 states and Washington, D.C., offering a wide geographical coverage.

About Universal Credit

Editorial Opinion

Cash For Whatever has a simple and easy lending solution for those who don’t qualify with traditional lenders. Known for fast application and funding process, the company helps individuals who need funds urgently with same day or next day funding. While the convenience and speed is good for those with unexpected expenses, borrowers should review the loan terms including interest rates and fees to make sure the loan fits their financial goals.

Important

Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

  2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

  3. Carefully review all the terms and conditions of your payday loan contract.

  4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

  5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

  6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

FAQ

How much can I borrow from Cash For Whatever?

You can borrow anything from $100 up to $1,000. The majority of creditors will look at how much money you may potentially borrow. They will also inform you that the loan in question is a type of loan. However, in most circumstances, loan installments are more appropriate for a sum of less than $1,000 and are considered a payday loan.

Can I apply for a Cash For Whatever loan with bad credit?

You can submit an online application for loan installments from Cash For Whatever. Cash For Whatever is aware that not everyone has the best credit and can accommodate those customers accordingly. You can apply with them regardless of your current state of finances, and the company will decide after considering more factors than your credit score.

Does Cash For Whatever provide loans to military personnel?

At this time, Cash For Whatever does not provide personnel access to the online personal loans option.

Can I pay Cash For Whatever early?

Yes, you can repay the loan early with Cash For Whatever. There is no additional payment for the loan prepayment.

Company documents

Terms and Conditions
Privacy Policy

We provide fast and easy money, that is paid back conveniently in installments. The loan may be paid back early at any time with no prepayment charges!

© Cash for Whatever
Offers
Cash For Whatever
Personal loan
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
$100-$1,500
Rate
i

Interest rate

up to 651%
Term
i

Loan term for the financial product

up to 180 days
Apply
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Finanso
Personal Loans
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
2000.00 – 100000.00 $
Rate
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Interest rate

6.34 – 35.89 %
Term
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Loan term for the financial product

2 months – 5 years
Apply
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
100.00 – 4000.00 $
Rating by Finanso®
i

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.

3.93
(20 Ratings)
Recommended FinScore™
0
300
650
1000
450.00 – 12000.00 $
Rate
i

Interest rate

27.50 – 81.29 %
Term
i

Loan term for the financial product

6 months – 3 years
Apply
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Cash For Whatever calculator
Interest rates are given in accordance with the rates of the Cash For Whatever of 10.02.2025
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