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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.

Apply for a Northcash's loan


How to apply

The application process for a Northcash loan is simple; you have to fill out an online application form with some basic information and wait for approval or a request. The funds will be transferred to you the next business day after your request is granted.


To ensure easy approval, the applicant must:

  • Be a permanent US resident who is 18 or above and is currently living in the United States.

  • Provide a driver’s license or valid state ID number.

  • At least earn $1000 (not including taxes) per month.

  • Provide proof of employment with their employer’s contact information.

  • Be employed for at least 90 days with the same employer.

  • Provide routing number and bank account number.

How to apply for a loan

  1. Go to the official website and click on the Get started button at the top.

  2. Select the amount you want to borrow and click on the Next step.

  3. Enter your active email id, and then enter your cell phone number.

  4. Enter the last 4 digits of your SSN.

  5. Put your legal name, date of birth, and residential address.

  6. You will be asked to add the time at your current residence, whether rented or owned.

  7. Fill in the information on the current source of income, employment time, and the frequency of your salary payment.

  8. Click on your Current monthly gross income and the next upcoming payment date.

  9. Enter the employer’s information, current job title, and your employer’s phone number.

  10. Select how you receive the loan payments, electronic deposit or paper check. Then enter your ABA routing number and other bank details

  11. Enter your driver’s license or state ID number and the issuing state.

  12. Select your current credit score between the given options.

  13. Enter your SSN, and click on Next step. Now click on Submit to send your application for approval.

Application details

Once you have applied, the final decision is usually made immediately. It may take up to a few minutes for you to be connected with a lender, after which your application will be processed. Once the lender approves your application, the loan amount will be sent to you within 24 hours.

Reasons for rejection

There can be multiple reasons for rejection, the most common being the applicant’s current monthly income and the applied loan amount. Furthermore, if the applicant is not a US citizen or permanent resident and hasn’t worked for the same employer for more than 90 days, it can be directly rejected.


How long does it take to get approved by Northcash?

The decision is usually made immediately. After you submit, it may take up to a few minutes for you to be connected with a lender.

How trustworthy is Northcash?

Northcash is a real business. It is a major cash advance service that assists over 1,000 customers per day in obtaining the personal loans they require.

Does Northcash verify income?

Yes, Northcash needs the borrower to have around $1,000 as a monthly income.

Does Northcash hurt your credit score?

Northcash is not a lender, due to which a request made through its online platform is considered a soft inquiry and has no bearing on your credit score. 

Calculate loan payments in Northcash

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

Loan amount

Enter the desired loan amount

200 $
5000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Northcash

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 Northcash 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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