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Washington Payday Loan - Frequently Asked Questions | 
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| Looking for an Advance | Once you Have Applied |
 | What is an advance?
Why an advance?
How do I get an Washington advance?
Can anyone qualify?
Is it safe?
Are you licensed?
What does it cost?
Do I need a fax machine?
What if I've filed for bankruptcy?
Do you sell my information?
| | How do I find out if I am approved?
How do I contact you?
What are your business hours?
When can I get my money?
How do bank holidays affect my advance?
How do I repay?
Can I pay off my advance early?
What if I cannot repay my advance?
What if I default on my advance?
What if I need an extension?
How soon can I get another advance?
What other services do you provide?
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What is an advance? |
| An 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 for an advance are payday advance, post-dated check loan, payday loan, cash advance, deferred deposit loan, or payroll advance. |
Why an advance? | |
| Let USA Cash Services® be your solution to any short-term financial problems. Advances are ideal for financial emergencies. An advance may help you avoid costly overdraft fees, overdue fees, utility disconnection fees, etc. |
How do I get an Washington advance? | |
| Our Loans are as easy as 1, 2, 3…
1. Open an Account by filling out our easy Washington online cash advance application.
2. Complete a Washington online cash advance request.
3. CHOOSE HOW TO RECEIVE YOUR MONEY:
 Directly to your Checking Account within 1 business day.
To your USA Cash Services® Platinum Debit Card within 1 hour. Click Here for Cash Card Info!
You may also receive your loan at one of our many office locations. |
Can anyone qualify? | |
| In order to qualify for an advance, you must:
Have a minimum of $500.00 a month in verifiable income.
Have an open checking account.
Have valid photo Identification.
Complete our easy Application.
We reserve the right to decline a request for an advance for any legitimate reason.
If you are applying at one of many office locations bring the following with you:
Your most recent checking account statement.
Income verification (pay statement).
State or government issued photo ID.
Check Book. |
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Is it safe? | |
| Yes. 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? | |
| Yes. Unlike many of our competitors, we provide advances only in those states where we are licensed. Each state has its own set of regulations regarding payday advances, and its own auditing requirements. There are also federal regulations governing our Internet-based advance 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 Washington Department of Financial Institutions. |
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What does it cost? | |
| In the state of Washington the cost for your an advance is 15% of the amount you borrow. The APR varies depending on the length of your loan. For example, if you borrow $100.00 for 14 days, our fee would be $15.00, with an APR of 391.07%. This APR is based on an example term of one payment due in 14 days. The APR may increase or decrease if your actual advance is shorter than or longer than this example. Please use our fee calculator the determine the exact cost of your advance before you apply. |
Do I need a fax machine? | |
| A lot of our competitors require their on-line customers to fax completed forms in order to apply for an advance. 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. |
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What if I've filed for bankruptcy? | |
| In most cases, your prior bankruptcy history will not affect your advance approval; however, at a minimum, you must be able to provide us with your bankruptcy closing date. |
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Do you sell my information? | |
| 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. |
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How do I find out if I am approved? | |
| You can find out if you will qualify for an advance by completing an Washington online cash advance application. There is no cost or obligation for this pre-qualification service. Once you have completed the on-line application we will send you an email indicating how much money you may borrow. If you decide to complete our Washington online cash advance advance request you will receive two emails from us. You should receive the first email within minutes confirming that we have received and are processing your request. You should receive the second email once your advance is approved. If you apply during our regular business hours, your advance will generally be approved in about one hour. |
How do I contact you? | |
| See our contact page.
Email us at info@usacashservices.com.
Call us toll-free at (877) 309-2274. | |
What are your business hours? | |
| Monday - Friday 8 AM to 8 PM (Mountain Time)
Saturdays 10 AM to 3 PM (Mountain Time) | |
When can I get my money? | |
| At USA Cash Services® we have streamlined our application process so that you can have your money as fast as possible. If your advance request is completed and approved during our hours (M-F 8 AM to 7 PM and Sat 10 AM to 3 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® Platinum 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? | |
| We are open on many bank holidays. If we are open and you choose to receive your money on your USA Cash Services® Platinum 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 advance will be delayed until your bank is open. When your bank is closed we cannot process advances that are deposited directly to your checking account. |
How do I repay? | |
|  Automatic Payment (Our computers automatically withdraw repayment funds from your account on the due date.)
Pay in cash at one of our many office locations. |
Can I pay off my advance early? | |
| Yes. You may prepay your advance at any time without penalty. To pay off early contact the web department and we can automatically debit your checking account for an early payoff. |
What if I cannot repay my advance? | |
| Call us immediately! Our computers are set up to withdraw funds automatically from your checking account on the due date. If you cannot repay 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. |
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What if I default on my advance? | |
| If you do not repay your advance or contact us to make acceptable payment arrangements, we may report information about your advance to Teletrack, a national database used by most payday advance companies nationwide. Late payments, missed payments or other defaults on your advance transaction may be reflected in your history with Teletrack. |
What if I need an extension? | |
| We do not offer extensions to Washington residents. If you cannot repay 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. |
How soon can I get another advance? | |
| An advance is a short-term loan designed to help you make ends meet, it is not intended to be a long-term solution. Washington regulations allow you to request another advance. Once your bank confirms with you that your advance has been paid, you are welcome to submit another Washington online cash advance request. |
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What other services do you provide? | |
| USA Cash Services provides a variety of services:
Advances
Platinum debit cards
Tax services |
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