Broker
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.

Northcash

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About Lender

The company is popular among people who want to apply for quick online installment loans to make payments like debt repayment, credit card bills, utility bills, small purchases, medical bills, tuition fees, etc. Northcash offers payday and installment personal loans without checking the applicant’s credit capacity. The payday and personal loans range from $100 to $5,000 at a low-interest rate. The company also allows borrowers to make early repayments without extra charges saving them a lot in interest.

Northcash offers easy-to-apply online loans suitable for anyone looking for a short-term quick loan without optimum creditworthiness. Any customer applying for a loan at Northcash can access multiple lenders. Once the application is complete, their entered information is processed and sent to several lenders, which increases the overall chances of acceptance.

Northcash

Key Features

Northcash is an online lending aggregator which is headquartered in Montana. The platform allows customers to apply for tribal loans, including payday loans and customized personal loans, through its various lending partners. It was started to provide people with easy and fast small loans, which can be utilized in several ways.

  1. Loan Types. Northcash offers payday and personal loans ranging from $100 to $5,000 at competitive interest rates. They also do not charge prepayment penalties, which allows borrowers to save on interest by paying off their loans early. Northcash follows the best practices of the Online Lender's Alliance to ensure that borrowers are informed.
  2. Fast and Easy Application Process. Northcash allows borrowers to apply for loans online in just a few minutes. They claim to help over 1,000 people per day access the personal loans they need. The online application process is quick, and borrowers can receive real-time decision-making from lenders.
  3. Reliable Loan Network. Northcash connects borrowers with lenders based on their application details and different lenders' criteria. The platform presents the borrower's information to a large number of lenders to increase the chances of getting a good deal.
  4. Customer Service Department. Northcash has a dedicated customer service department that is available to assist borrowers with any questions or concerns they may have, for example, loan payments, accounts, and much more. The customer service team can be reached via phone or email, and they are committed to providing prompt and professional service to all customers.

Pros and Cons

Pros

  • Northcash provides personal loans and payday loans to any customer, even if they have a bad credit history.
  • The company offers short-term loans with a tenure of only 14 days.
  • There is no extra penalty for early repayments.

Cons

  • The loans can be very expensive, with an interest rate that can go up to 720% APR.
  • It is not fit for long-term financial demands as the loan tenure is less.

Products

Northcash offers short-term installment loans amounting from $100 to $5,000 at insight competitive interest rates. However, since Northcash doesn’t charge a prepayment penalty, you can save on interest by paying off your loan early. Northcash does its best to keep borrowers informed. Northcash follows a list of best practices of OLA (Online Lender’s Alliance) Northcash can help you to get the funding you need right away. With just a few minutes of your time, you may be able to find lenders that offer up to $5,000. Complete an application. If you qualify for a loan, review the terms and conditions of your specific loan offer and receive your funds in as little as one business day.

Reliability

  1. BBB A+ rating. Northcash has an A+ rating from the Better Business Bureau (BBB), which indicates its commitment to customer satisfaction. However, it is worth noting that Northcash is not BBB-accredited, which means they have not paid for the BBB's accreditation services or undergone a rigorous accreditation process.
  2. Poor North Cash reviews. Northcash has a 1.5/5 rating based on customer reviews on the BBB website. Many of the reviews mention issues with high-interest rates, poor customer service, and difficulty with the repayment process.

Additionally, it is worth noting that Northcash operates as a loan matching service, which means they do not directly provide loans. This can make it difficult to assess the reliability of the lenders they match borrowers with.

Loan Conditions

The Northcash personal loan is available to individuals who are salaried, self-employed, or professional personnel in the public or private sectors. The applicant must be a US resident of more than 18 years. Furthermore, it’s also important that the applicant have stable earnings with a minimum income of $1,000 per month after taxes. They should have a valid checking account, state ID or driver’s license, and email address. The company also claims that it will not check the applicant’s credit score. However, having a good credit history is still advisable as it can positively impact the results.

Northcash is a loan matching service that assists borrowers in finding reputable lenders for short-term loans. Although we are not direct lenders, our partners offer a range of loans from $100 to $5,000 to cater to various types of loans. Our service is particularly beneficial for those who have struggled to obtain loans due to their credit score, past bankruptcy, or non-traditional sources of income such as government benefits. Once you have been connected with a lender, you will be required to sign a loan agreement that outlines the terms and conditions of the loan.

The APRs can vary from 404.10% to 521.42%. Before signing, ensure to read your loan agreement carefully.

If the borrower cannot foreclose their payday loan dues, some lenders allow them to avail of re-loan facilities through online loan renewal. In this case, an extra fee is charged to the borrower to postpone their due date.

Funding a Loan

The company offers simple and easy-to-use methods to access funding provided through a network of participating lenders. The applicant can fill out the basic information on their online form, submit it, and wait for a response. If the loan application form is approved, the money will be directly credited into their bank account within 24 hours. The applicants can also track their applications by contacting the company through email or phone.

Other Loans

Loans like Northcash

Spotloan

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Spotloan is a lender that provides installment loans, allowing borrowers to pay down the balance gradually with each on-time payment. The loan amounts range from $300 to $1,500, with new and repeat borrowers qualifying for up to $800 and preferred borrowers with 10 or more loans eligible for up to $1,500. Founded in 2012, Spotloan is owned by BlueChip Financial, a tribally-owned entity governed by the Turtle Mountain Band of Chippewa Indians of North Dakota, one of the country's largest federally recognized Indian Tribes.

Spotloan

Big Picture Loans

Apply For a Loan

Big Picture Loans is a reputable lending institution and a wholly owned subsidiary of Tribal Economic Development Holdings, LLC. This company operates as an economic arm and instrumentality of the Lac Vieux Desert Band of Lake Superior Chippewa Indians, a federally recognized Indian tribe, primarily benefiting the Tribe while adhering to Tribal law. Offering flexible borrowing options, customers can access loans ranging from $200 to $3,500, with repayment terms spanning from 4 to 18 months.

Big Picture Loans

River Valley Loans

Apply For a Loan

River Valley Loans offers a financial solution for individuals in need of quick funds to address emergency expenses. With the convenience of same-day installment loans, customers can access up to $3,000, making it easier to handle unexpected financial challenges. Their tribal installment loans provide a simple and fast application process, ensuring borrowers can get the necessary funds without unnecessary delays.

River Valley Loans

MaxLend

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MaxLend is a financial service provider that stands out for its ability to promptly deliver up to $3,000 directly to your bank account, ensuring you get the funds you need without delay. As a sovereign enterprise, MaxLend operates as an economic development arm and instrumentality of the Mandan, Hidatsa, and Arikara Nation, which is a federally-recognized sovereign American Indian Tribe.

Maxlend

Lendumo

Apply For a Loan

Lendumo, operated by Niswi, LLC, dba Lendumo, is a reputable financial service provider that caters to borrowers needing quick and convenient loans. Backed by the Lac du Flambeau Band of Lake Superior Chippewa Indians, Lendumo combines modern financial practices with a commitment to maintaining the cultural heritage of its community. For first-time borrowers, Lendumo extends loan amounts of up to $1,500, providing a helpful solution for unforeseen expenses or emergencies. On the other hand, repeat borrowers can access even larger loan amounts of up to $2,500.

Lendumo

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.

Methodology

At Finanso, we've carried out a comprehensive analysis of over 100 lenders, assessing them based on 35 different parameters across six key categories: accessibility of loans, customer relations, quality of service, interest rates, and transparency of conditions.

In each category, we carefully considered the most critical factors in selecting a lender. These factors include the interest rates, available loan amounts, minimum credit score, minimum income, application fees, and the speed at which funds are transferred.

At Finanso, we highly value our users, which is why we also focus on the quality of customer service, user reviews, and additional features that can aid our users in making a well-informed decision.

Our ultimate goal is to provide insightful recommendations and expert advice to assist you in selecting a lender that best caters to your specific needs.

FAQ

How Do you Qualify For a Northcash Loan?

To be eligible for a loan through Northcash, borrowers must meet certain general criteria. These include:

  1. Age. Borrowers must be at least 18 years old to apply for a loan through Northcash.
  2. Residency. Borrowers must be US citizens or permanent residents and legally reside in the United States.
  3. Employment. Borrowers must be employed with the same employer for a minimum of 90 days.
  4. Income. Borrowers must have a monthly income of approximately $1,000 after tax deductions. This income requirement may vary depending on the lender and the loan amount requested.
  5. Contact Information. Borrowers must have a valid email address and working telephone numbers for their home and work.
  6. Bank Account. Borrowers must have a checking account or bank account in their name. This account will be used for loan disbursement and repayment.

It is important to note that meeting these general eligibility criteria does not guarantee loan approval. Lenders may have additional eligibility requirements based on factors such as credit history, loan amount requested, and other factors. Additionally, the terms and conditions of the loan may vary based on the lender and the borrower's individual circumstances.

How Much Can You Borrow From Northcash?

Northcash offers payday and personal installment loans ranging from $100 to $5,000. The amount a borrower can borrow through Northcash depends on several factors, including the borrower's income, credit history, and the lender's requirements.

Payday loans are typically smaller, short-term loans that are designed to cover unexpected expenses until the borrower's next payday. Northcash offers payday loans ranging from $100 up to $1,500.

Personal loans are generally larger and longer-term loans that can be used for a variety of purposes, such as home repairs, medical bills, or debt consolidation. Northcash offers personal loans ranging from $100 up to $5,000, with flexible repayment terms of up to 18 months.

It is important to note that the loan amount and terms offered by Northcash's partner lenders may vary depending on the borrower's individual circumstances and creditworthiness. Borrowers should carefully review the terms and conditions of any loan offer and ensure that they fully understand the repayment process before accepting the loan.

Does Northcash Approve Everyone?

No, Northcash does not approve everyone who applies for a loan. Northcash's partner lenders have eligibility requirements that borrowers must meet to be considered for a loan.

To be eligible for a loan through Northcash, borrowers must meet certain general criteria, including being at least 18 years old, a US citizen or permanent resident, legally residing in the United States, employed with the same employer for a minimum of 90 days, having a monthly income of approximately $1,000 after tax deductions, and having a valid email address, working telephone numbers for their home and work, and a checking account or bank account in their name.

However, meeting these eligibility criteria does not guarantee loan approval. Lenders may have additional eligibility requirements based on factors such as credit history, loan amount requested, and other factors. Additionally, the terms and conditions of the loan may vary based on the lender and the borrower's individual circumstances.

Northcash's partner lenders will review the borrower's application and creditworthiness to determine if they qualify for a loan. Lenders may consider factors such as credit score, debt-to-income ratio, and payment history when making a loan decision. Borrowers who are approved for a loan will be presented with loan terms and conditions, which they should carefully review before accepting the loan.

Is Northcash a Legitimate Company?

Northcash is a legitimate company that offers loan matching services to borrowers looking for short-term loans. The company is owned and operated by the Fort Belknap Indian Community, a federally recognized Indian tribe located in Montana. Northcash operates in compliance with federal laws and regulations, as well as the laws and regulations of the Fort Belknap Indian Community.

Northcash has an A+ rating from the Better Business Bureau (BBB) and has been in business since 2013. However, it is worth noting that Northcash is not BBB-accredited, which means they have not paid for the BBB's accreditation services or undergone a rigorous accreditation process. Northcash also has a 1.5/5 rating based on customer reviews on the BBB website, with many reviews mentioning issues with high-interest rates and poor customer service.

Overall, while Northcash is a legitimate company that operates in compliance with applicable laws and regulations, borrowers should carefully review the terms and conditions of any loan offer and ensure that they fully understand the repayment process before accepting the loan. It is also important to note that the loan terms and conditions may vary based on the lender and the borrower's individual circumstances.

Is Northcash a good lender?

Northcash is a loan matching service that connects borrowers with a network of lenders offering payday loans and personal loans ranging from $100 to $5,000. Northcash's partner lenders have varying eligibility requirements and loan terms, so it is important to carefully review the terms and conditions of any loan offer before accepting it.

Northcash has an A+ rating from the Better Business Bureau (BBB), which indicates its commitment to customer satisfaction. However, it is worth noting that Northcash is not BBB-accredited. They have a 1.5/5 rating based on customer reviews on the BBB website, with many reviews mentioning issues with high-interest rates and poor customer service.

In general, payday loans and personal loans can be expensive and come with high-interest rates, so borrowers should carefully consider their financial situation and ability to repay the loan before accepting any loan offer. It is also important to note that Northcash is not a direct lender, so the terms and conditions of the loan may vary based on the lender and the borrower's individual circumstances.

Whether Northcash is a good lender for you depends on your financial situation, loan needs, and personal preferences. It is recommended that borrowers carefully review the terms and conditions of any loan offer and consider alternative loan options before making a decision.

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Northcash is one of the leading cash advance websites that help more than 1,000 people per day access to the personal loans they need. By applying online in just a few minutes.

© Northcash
Financial products
Northcash
Payday loan
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.

Recommended FinScore™
0
300
650
1000
$200-$5,000
Rate
i

Effective interest rate on the product

1.97% per day
Term
i

Loan term for the financial product

up to 14 days
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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.

Recommended FinScore™
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300
650
1000
100.00 – 20000.00 $
Rate
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Effective interest rate on the product

from 0.05 %
Term
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Loan term for the financial product

5 days – 3 months
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.

Recommended FinScore™
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300
650
1000
100.00 – 4000.00 $
Finanso
Personal Loans
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.

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

Effective interest rate on the product

6.34 – 35.89 %
Term
i

Loan term for the financial product

2 months – 72 months
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.

4.25
(20 Ratings)
Recommended FinScore™
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1000
to 1500.00 $
Rate
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Effective interest rate on the product

to 160.00 %
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