What is a Payday Loan? ^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. Other commonly used
terms are cash advance, payday
advance, post-dated check
loan, deferred deposit
loan, or payroll advance. |
Why a Payday Loan? ^Top
USA Cash Services® can provide
you with a solution to any
short-term financial problems. A
payday loan may help you avoid
costly overdraft fees, overdue
fees, utility disconnection
fees, etc. There are a wide
variety of loan products
available in the marketplace, so
your choice of lending products
should match your financial
needs. Small-dollar loans used
over a long period of time can
be expensive. |
Is USA Cash Services a Direct Lender? ^Top
Yes. USA Cash Services is a
direct lender. Many websites
that appear to be payday lenders
are only collecting your
information so that they can
sell it to others. USA Cash
Services will not sell your
information to anyone. As a
direct lender, we are the
company that issues and services
the loans. |
How do I get a Utah Payday Loan? ^Top
Our Payday 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 number is:
801-476-4242.
3. Once approved, you will
typically receive your money
directly to your checking
account within 1 business day.
You may also receive your payday
loan at one of our many
Utah locations. |
What does it cost? ^Top
To determine the cost of your payday loan before you apply, see our
fee calculator to determine the exact
cost of your payday loan before
you apply. |
How do I qualify? ^Top
In order to apply for a loan with us in Utah you must have:- A verifiable source
of income.
- An open checking
account.
- Valid government issued
photo ID.
If you meet these basic
requirements, Please complete
our easy Online Application or visit one of our store locations.
We reserve the right to decline
a request for a loan for any
legitimate reason.
|
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.
There are also federal laws and
regulations governing our
internet-based payday loan
transactions. It is our policy
to comply with all applicable
state and federal laws and
regulations. In the state of
Utah, we are regulated by the
Utah Department of Financial
Institutions. If you have any
questions or concerns, please
contact us at 801-476-4242. If
we are unable to answer your
concerns you may also contact
the Utah Department of Financial
Institutions at (801) 538-8830. |
What if I have filed for bankruptcy? ^Top
In most cases, your prior bankruptcy history will not affect your approval; however, you cannot currently be in an open bankruptcy. |
Do you sell my information? ^Top
USA Cash Services takes your
privacy very seriously. We do
not sell your private
information. Click Here to view our Privacy Policy. |
What if I have a complaint or concern? ^Top
For Questions or Complaints
regarding Title or Payday Loans,
please contact our management
at: 801-476-4242 or Click Here. to submit a form
online.
You may also contact our
regulatory agency: THE UTAH
STATE DEPARTMENT OF FINANCIAL
INSTITUTIONS: at 801-538-8830 |
How do I find out if I am approved? ^Top- Complete the Utah online Payday Loan applicatio.
- Call us at 801-476-4242
(We must verbally review the terms of your loan before it can be approved.)
- We will send you a
confirmation email once
you are approved.
|
| How do I contact you? ^Top |
What are your business hours? ^Top
Monday - Friday 8 AM to 8 PM
(Mountain Time)
Saturdays 8:30 AM to 3 PM
(Mountain Time) |
When will I recieve my money? ^Top
If your payday loan request is
completed and approved by 7:30
PM MT, Monday - Friday, you will
generally receive your money the
next business day.- If your payday loan
request is approved by
7:30 PM MT,
Monday-Thursday, your
funds will be available
in your checking account
the next day.
- If it is approved by
7:30 PM MT on a Friday,
your funds will be
available in your
checking account the
following Monday.
- If your loan request is
submitted after 7:30 PM
on a Friday, or anytime
on a Saturday or Sunday,
and approved either on
Saturday before 3 PM MT
or on Monday before 7:30
PM MT, your funds will
be available in your
checking account on
Tuesday.
|
How do bank holidays affect my loan? ^Top
If you apply for a loan the
business day before a bank
holiday, the funds for your
approved loan will typically not
be available in your checking
account until the business day
after the holiday. |
What if I don't want this loan? ^Top
You have the right to cancel
your loan without incurring any
charges if you take one of the
following actions before 6 P.M.
MST on the next business day
following the start date of your
loan: (a) Contact us at
801-476-4242, and authorize us
to immediately initiate an
electronic debit to your bank
account for the full principle
amount; (b) Pay the full
principle amount back with a
card. (The card processor may
charge a fee.) Or; (c) Return
the full Principal Amount to us
in person at any USA Cash
Services store location in the
form of cash, certified check or
money order. If any electronic
debit is returned unpaid for any
reason, your loan will not be
cancelled, and you will remain
obligated to repay your loan as
provided in this Agreement. |
How do I repay? ^Top
Multiple Payment options are available:- Automatic debit from
your checking account.
- Cash, certified check, or money order at one of our store locations.
- Certified check or money
order via mail.
- Must be received
by the loan due
date.
- Mail to: 1752
Combe Rd #1,
Ogden, UT 84403.
- Debit card over the
phone. (The card
processor charges a fee
for this option.)
|
What if I need an extension? ^Top
You may be able to extend your
loan. To do so simply Sign-In to your account and
complete the form. In Utah, a
payday loan can be extended for
a maximum of 31 days for each
extension. You may extend
multiple times. Under Utah
regulations, a deferred deposit
loan may not be extended beyond
10 weeks from the start date of
the original loan. |
Can I pay early? ^Top
Yes. You may prepay at any time
without penalty. In Utah you are
entitled to a rebate of a
percentage of your fees if you
pay off early.
To pay off early:- Contact us to authorize an early
debit from your checking
account or to pay with a
card. (If you choose to
pay with a card, the
card processor charges a
fee for that service. We
do not charge a fee for
any of the other payment
methods available.)
- Visit one of our Utah
store locations to pay via cash,
certified check, or
money order.
|
What if I cannot repay? ^Top
Contact us us immediately! You may be
eligible to extend your Utah payday loan. If you cannot extend your loan
and you know that there are not
going to be enough funds in your
checking account on the loan due
date, it is important that you
contact us (801-476-4242) before
your loan is due. Contacting us
prior to your due date may save
you costly bank fees. |
What if I default? ^Top
If you default, please contact
us ASAP. We will work with you
to get your account back in good
standing. We report information
regarding your debt to a
consumer reporting agency. |
When can I get another Payday Loan ^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. If you
are in need of another loan, you
are welcome to Sign-In and submit another request
anytime you have credit
available, as long as:- You do not havea ny past
due loans with us.
- You do not hae any loans
that are due within the
next two business days.
|
What other services do you provide? ^Top
USA Cash Services provides a
variety of services: |
|