What is a payday loan? ^Top
A payday loan 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,
cash advance, deferred deposit
loan, or payroll advance. |
Why a payday loan? ^Top
Let USA Cash Services® be your
solution to any short-term
financial problems. Payday loans
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 a Nevada payday loan? ^Top
Our loans are as easy as 1, 2,
3…
1. Submit an application for an online payday loan.
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:
You may also receive your payday
loan at one of our many
Nevada locations. |
What does it cost? ^Top
In the state of Nevada, the cost for a deferred deposit loan 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.
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How do I qualify? ^Top
In order to qualify for an online Nevada payday loan 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 where we
are licensed. 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
post-dated check transactions.
It is our policy to comply with
all applicable state and federal
laws and regulations. If you
have any questions concerning
our licensing, please contact
the Nevada Division of Financial Institutions. |
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- Complete the
Nevada online payday loan application.
- Call us at1-877-309-2274
(We must review the
terms of your loan.)
- We will send you a
confirmation email.
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 Nevada 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 you 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 payday loan can be extended for a maximum of 31 days for each extension. You may extend multiple times. Under Nevada regulations, a deferred deposit loan may not be extended beyond 90 days from the start date of the original loan. |
Can I pay early? ^Top
Yes. You may prepay at any time
without penalty. To pay off
early, visit one of our many
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 Nevada cash advance. If you cannot extend your loan 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 payday loan is a short-term loan designed to help you make ends meet, it is not intended to be a long-term solution. Nevada 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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