What is a cash advance? ^Top
A cash advance is a short-term
deferred deposit loan designed
to help you make ends meet. It
is not intended to be a
long-term solution. Other
commonly used terms are payday
advance, post-dated check loan,
payday loan, deferred deposit
loan, or payroll advance. |
Why a cash advance? ^Top
Let USA Cash Services® be your
solution to any short-term
financial problems. A Cash
Advance may be appropriate for
financial emergencies. They may
help you avoid costly overdraft
fees, overdue fees, utility
disconnection fees, etc. This is
a costly form of credit. You
should also consider the costs
and benefits of this and any
other short-term credit options
you may have. |
Is USA Cash Services a Direct Lender? ^Top
Yes. USA Cash Services is a
direct lender. Many other payday
lending sites are not payday
lenders, they simply sell your
information to other affiliated
businesses. USA Cash Services is
a direct lender, and we do not
sell your information. We are
the company that will approve
and service your loan for you. |
How do I get an Idaho Advance? ^Top
Our Payday Loans are as easy as
1, 2, 3…
1. Submit an application for an online cash advance.
Already a customer? Sign-In to Apply.
2. Contact us! Our Toll free
number is: 877-309-2274.
3. Choose how to receive your
money:- Directly to your
checking account within
1 business day.
- To your USA Cash
Services® Debit Card
within 1 hour. Click
here for debit card
info!
You may also receive your payday
loan at one of our many
Idaho locations. |
What does it cost? ^Top
In the state of Idaho, the cost
for a deferred deposit varies
depending on the length of your
loan and amount you borrow,
however there is a minimum fee
of $10.00. For example, if you
borrow $200.00 for 14 days, our
fee would be $40.00, which
equals APR of 521.43%. This is
approximately $10 per week for
every $100.00 you borrow. This
APR is based on an example term
of one payment due in 14 days.
The APR may increase or decrease
from a maximum of 1460% (for a 5
day $50 loan) to a minimum of
(521.29% for a 22 day $50 loan).
APR variations are base on two
factors. The first APR variation
is caused by our minimum fee of
$10.00. The second APR variation
is caused by rounding (and our
commitment to fully and
accurately disclose our finance
charges and APRs), since we must
round fees to the nearest cent.
If your actual payday loan is
different than this example.
Please use our fee calculator to determine the exact
cost of your payday loan before
you apply. |
How do I qualify? ^Top
In order to qualify, Online in
Idaho you must:- Have a verifiable source
of income.
- Have an open checking
account.
- Complete our easy
Application.
- Government issued photo
ID.
We reserve the right to decline
a request for an advance for any
legitimate reason.
If you are applying at one of
many store locations, bring with
you:- Your most recent
checking account
statement.
- Income verification (pay
statement or benefits
letter).
- Government issued photo
ID.
- Check Book.
|
Is it safe? ^Top
We make every effort to ensure
that your confidential
information remains private. Our
Website uses Secure Socket Layer
(SSL) technology with signed
digital certificates. Our
technology encrypts all of your
information to assure your
privacy and safety. For more
information see our security policy. |
Are you licensed? ^Top
Yes. Unlike many of our
competitors, we provide loans
only in those states in which we
have a business license. Each
state has its own set of
regulations regarding post dated
check loans, and its own
auditing requirements. There are
also federal regulations
governing our internet-based
postdated check loan
transactions. It is our policy
to comply with all applicable
state and federal laws and
regulations. In the state of
Idaho we are regulated by the
Idaho Department of Financial
Institutions. If you have any
questions concerning our
registration, please contact us
at 1-877-309-2274. If we are
unable to answer your concerns
you may also contact the Idaho Department of Corporations. |
Do I need a fax machine? ^Top
Many of our competitors require
their online customers to fax
completed forms in order to
apply for an online loan. We
realize that not everyone has
access to a fax machine, so we
strive to minimize faxing;
however, in rare instances, we
may require you to fax certain
documentation. |
What if I've filed for bankruptcy? ^Top
In most cases, your prior
bankruptcy history will not
affect your approval; however,
at a minimum, you must be able
to provide us with your
bankruptcy closing date. |
Do you sell my information? ^Top
USA Cash Services takes your
privacy very seriously. We do
not sell your private
information or tolerate the use
of SPAM. We are committed to
protecting your privacy. |
How do I find out if I am approved? ^Top
Applications received during our
regular business hours, will
generally be approved in about
one hour. |
| How do I contact you? ^Top |
What are your business hours? ^Top
Monday - Friday 8 AM to 8 PM
(Mountain Time)
Saturdays 10 AM to 2 PM
(Mountain Time) |
When can I get my money? ^Top
At USA Cash Services® we have
streamlined our application
process so that you can have
your money as fast as possible.
If your Idaho cash advance
request is completed and
approved during our hours (M-F 8
AM to 7:30 PM and Sat 10 AM to 2
PM (Mountain Time) and you
choose:- Electronic deposit to
your checking account,
you will generally
receive your money the
next business day!
- Credit to your USA Cash
Services® Debit Card,
you will generally
receive your money
WITHIN AN HOUR of
approval! Debit card fees may apply.
Loan requests that are completed
after our business hours will
generally be processed our next
business day. |
How do bank holidays affect my loan? ^Top
We are open on many bank
holidays. If we are open and you
choose to receive your money on
your USA Cash Services® Debit
Card you will generally receive
your money within one hour of
approval, even if your bank is
closed. Debit card fees may apply.
If you choose to receive your
money directly into your
checking account and your bank
is closed, your loan will be
delayed until your bank is open.
When your bank is closed it does
not process any account
information. |
What if I don't want the loan? ^Top
You have the right to cancel
this loan without paying the
finance charge. To do so, you
must call us no later than 5:00
p.m. Mountain Time on the next
banking business day following
the date of your loan agreement.
We will debit your account for
the amount financed without any
additional charges and cancel your loan. |
How do I repay? ^Top- Automatic Payment (Our
computers automatically
create a paper draft
which is used to
withdraw repayment funds
from your bank account
on the due date.)
- Pay in cash at one of
our many office locations.
- If you cannot repay, you
may be able to extend
your loan. Sign-In to your account to
request an extension.
|
What is an extension? ^Top
You may be able to extend your loan. To do so simply Sign-In to your account and complete the form.
A cash advance can be extended for a maximum of 31 days for each extension. You may extend three times under Idaho regulations. |
Can I pay early? ^Top
Yes. You may prepay at any time without penalty. In Idaho you are entitled to a rebate of a percentage of your fees if you pay off early. To pay off early visit one of our many Idaho store locations or contact us and we can automatically debit your checking account for an early payoff. |
What if I cannot repay? ^Top
Call us immediately! Our
computers are set up to withdraw
funds automatically from your
checking account on the due
date. If you cannot repay, you
may be eligible to extend your Idaho cash advance. If you cannot extend your
advance and you know that there
are not enough funds in your
checking account it is important
that you contact us toll free
(1-877-309-2274) before your
loan is due. Contacting us prior
to your due date may save you
(and us) costly bank overdraft
(NSF) fees. |
What if I default? ^Top
If you default, you should contact us in order to make acceptable payment arrangements. We may report information regarding your debt to Clarity, Teletrack, or other similar systems used by most payday loan companies nationwide. As a courtesy, your loan history may be reported to these systems. |
How soon can I get another cash advance? ^Top
A cash advance is a short-term loan designed to help you make ends meet. It is not intended to be a long-term solution. Idaho regulations allow you to request another loan. Once your bank confirms that your loan has been paid, you are welcome to Sign-In and submit another request. |
What other services do you provide? ^Top
USA Cash Services provides a
variety of services: |
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