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Lender
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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.

GetCash

Finanso.Multilogin™

About lender

GetCash is a service that helps borrowers find suitable lenders. The company doesn't offer loans itself.

The idea of creating such an organization arose in 2020. The borrower does not need to visit dozens of different lenders' websites. GetCash platform allows everyone to find the cash fast for business projects or personal needs. In addition, payday loans agreements can be viewed and signed online.

GetCash offers personal loans, installment loans, car loans, and medical loans. You can cover the cost of your wedding expenses, medical bills, studying, or emergency situations. The organization provides loans with favorable interest rates for each payday loan type.

Pros and cons

Pros:

  1. The platform is convenient for taking a payday loan. You do not need to go to the bank or wait hours for the application to be reviewed. With GetCash, everything happens in a few minutes.

  2. Financing takes place within one working day. The borrower and the lender determine the exact time for convenience.

  3. GetCash is a secure platform that uses 256-bit data encryption. Therefore, you don't need to worry about the borrower and that hackers will intercept their data.

Cons:

  1. When connecting to GetCash, you need to open a profile, agree to the policy and make an initial payment.

  2. High interest rates from many lenders can alienate a potential borrower.

Terms and conditions

GetCash does not set loan duration, interest rates, and loan amount. This is just a platform that helps the borrower choose the right lender for themselves. GetCash offers loans with various options. Good credit history can lower the upper limit to 5-15% per annum. Each lender has its own conditions.

You do not need to upload documents when applying through the GetCash website, but many lenders may require you to do so. The borrower can choose the most suitable conditions for themselves. The primary advantage of such a loan is that the borrower can apply for a loan even with a poor credit history and credit score. You don't need to have a high credit score. You only need to submit an online application on the website and choose the best option.

  • Payday loan. This type of loan provides access to instant cash. However, it is the least you can borrow. The amounts typically range from $100 to $1,000. This is the easiest loan to take as you won't require to meet high credit scores requirements.

  • Installment loan. This type links any loans that you pay back in installments. The loan life depends on the amount you want to borrow, while the loan amount ranges from $1,000 to $5,000. You can get a lower interest rate on your installment loan, but only if you have a good credit score.

  • Personal loan. You can get a loan with a lower interest rate if your credit history is good. The disbursement takes longer than for payday debts. Loan life usually lasts longer, too.

Funding a loan

Once you fill in and submit an online form, you will be offered different loan options. Then you need to choose the most suitable options and pre-qualify. Applications are considered within 24 hours. A lender which you pre-qualified for will contact you and answer your questions. You can get cash transferred to your account as soon as 48 hours.

Flexible conditions will allow borrowers to take small loans to choose a convenient financing option. GetCash offers financing from over 100 lenders. The loan is issued from 90 days to 180.

FAQ

Can I borrow from GetCash instantly?

Yes, the application is approved in a few minutes. You can get fast cash, within 30 minutes or an hour.

Is GetCash legal?

GetCash has all the necessary licenses that you can find on the official website.

Can I borrow from GetCash with bad credit?

Yes, you can borrow money from GetCash even with bad credit history and credit score.

Company documents

Privacy Policy
Terms of use
Lending Policy

“Get Money Near Me”: Is It A Good Idea?

© GetCash

Calculate loan payments in GetCash

GetCash 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
100 $
5000 $
Loan term
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Specify the loan term for the calculation

days
months
90
180

What to focus on before applying for a loan with GetCash

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 GetCash 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 GetCash’s reviews by October 2022
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