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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.

Riverbend Cash

Finanso.Multilogin™

About lender

Riverbend Cash is not a lender and doesn't provide short-term loans or other credit services. It is a service that helps the borrower to connect with an independent third-party lender or lending partner.

The company was established in 2012 and is headquartered in Hays, Montana. The service is available in many states except Washington, DC, Alaska, Arkansas, Connecticut, Massachusetts, Maine, Minnesota, Montana, New Hampshire, New York, New Jersey, Pennsylvania, Vermont, Virginia, and West Virginia.

Many people can get access to credit thanks to Riverbend Cash. The borrower can register from both a personal computer and mobile phone. After connecting with lenders, clients receive the terms and conditions of the loans from the lenders.

Pros and cons

Pros

  • The application process is fast and easy

  • You don't need to provide collateral

  • You gain access to all credit types

  • There is a customer support through live chat

  • The service doesn't have prepayment penalties

  • Riverbend Cash ensures online safety.

Cons

  • Service doesn't report on payments to credit bureaus in time

  • Borrowers have to repay biweekly

  • First-time clients may borrow only up to $600.

The entire process is online, from completing an application to signing a borrower's credit agreement. Riverbend Cash keeps borrowers' personal information safe, using 256-bit encryption technology.

Some lenders offer unsecured loans, so you can qualify without providing collateral. A borrower's credit score isn't important for some loans because the service doesn't make a credit check. Even if a borrower's credit score is not good enough, they still have a right to get loans from partners of Riverbend Cash. Also, there is no fee for using the service.

Terms and conditions

Payday loans

A payday loan is a small, short-term cash advance. You don't need to provide collateral for applying for this loan. If you choose it, the loan amount may range from $100 to $1,000. This type of loan is backed by your future regular income, such as salary, dividends, etc. The loan term is 30 days. Borrowers need to make a request for a loan amount, and sometimes loan offers don't match the amount borrowers requested. Payday loans are designed for emergencies.

Installment loans

An installment loan is also a small short-term cash advance, and it doesn't require collateral. Such loans are also backed by borrowers' future incomes. The loan amount for installment loans varies from $100 to $5,000.

Personal loans

A personal loan is a no-collateral loan with a loan amount ranging from $500 to $35,000. Such loans are backed by future income, as well as payday and installment loans. You can use such loans to consolidate debt. Unlike payday and installment loans, personal loans have longer loan terms.

Third-party lenders pay Riverbend Cash for potential customer referrals. Thus, the service is free to borrowers, so they don't need to pay any fees. Loan offers usually vary depending on individual lenders, borrowers inсome, employment, etc. Every lender has its own fees and rate, terms, and APR. However, there are cases when any participating lender doesn't approve customers.

To register on the Riverbend Cash loans website, you must provide personal information and details about your employment and bank account. A third-party lender may do a credit check to verify the borrower's information. Repayment terms are also set by a particular lender, not by Riverbend Cash.

Many borrowers ask if their loans are automatically renewed. It depends on the state where the borrower lives and the renewal policy of a particular lender. Customers have to ask their lenders if their loans renew automatically. If the loans renew, borrowers will have additional interests and fees on their loan balances. So you need to learn about such fees before agreeing to such loan renewal.

There are implications if you don't make your payments on time or don't repay your loan at all. Every lender sets its own penalties, so they may vary. But the most common penalties are the following:

  • You must pay an additional fee for late repayment.

  • Your lender can contact a collection agency.

  • A lender can report your non-payment to a consumer credit agency. After this, your credit score will decrease.

  • The lender may offer to renew your loan. Then your fees and interest rates will be higher.

Funding a loan

Usually, borrowers receive their money in their bank accounts on the next business day. However, time may vary depending on the lender and financial institution, the time of day borrowers register, and the accuracy of the registration.

Clients must contact their third-party lenders if they have questions about the transfer time.

Requirements

Every third-party lender has its own requirements for applying, but all lenders have typical minimum requirements. They must:

  • Be at least 18 years old;

  • Be a US citizen or have a permanent residence;

  • Have a checking account with direct deposit;

  • Have a valid email address and phone number;

  • Have a good credit rating;

  • Have a monthly income not less than $1,000;

  • Not be a regular or reserve member of the Army, Air Force, Coast Guard, Marine Corps, or Navy (or a dependent thereof), serving on active duty under a call or order that does not specify 30 days or less.

FAQ

What is Riverbend Cash?

Riverbend Cash is a loan connecting service. It doesn't offer short-term loans but helps the borrower connect with an independent third-party lender or lending partner.

How much can I borrow from Riverbend Cash?

Your loan amount depends on the loan type. If you choose a payday loan, the loan amount may range from $100 to $1,000. The loan amount for installment loans varies from $100 to $5,000, and personal loans are between $500 to $35,000.

Can I apply for a Riverbend Cash loan online?

You can use Riverbend Cash online as a service to connect with your potential lender.

How long does it take Riverbend Cash to deposit funds?

Usually, borrowers receive their money on the next business day if approved.

Should I have a bank account for a Riverbend Cash loan?

Yes, you need a bank account because money gets transferred to borrowers that way.

Company documents

Privacy Policy
Terms
Rates

Riverbend Cash is here to offer a fast and reliable money solution in any life situation from the comfort of your own home. 

© Riverbend Cash

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

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 Riverbend Cash 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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