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 payday
advance, post-dated check loan,
cash advance, deferred deposit
loan, or payroll advance. |
Why a payday loan? ^Top
USA Cash Services® can provide you with a solution to your
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 an Idaho payday loan? ^Top
Our loans are as easy as 1, 2,
3…- Submit an application for an online payday loan. Already a
customer? Sign-In to Apply.
- Contact us! Our number is:
801-476-4242.
- 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 locations. |
What does it cost? ^Top
In the state of Idaho the cost
for your payday loan is 17.65%
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
$17.65, with an APR of 460.16%.
This APR
is based on an example
term of one payment due in 14
days. The
APR may increase or
decrease if your actual loan is
shorter than
or longer than this
example. Please use our fee calculator to determine the exact
cost of your loan before you
apply. |
How do I qualify? ^Top
In order to apply for a loan with us in Idaho 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.
We reserve the right to decline
a request for an advance 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 Idaho, we are regulated by the Idaho Department of
Finance. 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 Idaho Department of Finance at
208-332-8000. |
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
If you have any questions,
complaints, or concerns, please
contact our management at:
801-476-4242 or Click Here to submit a form online.
You may also contact the Idaho Department of Finance at
208-332-8000. |
How do I find out if I am approved? ^Top- Complete the Idaho online payday online payday loan application.
- 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 receive 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 the 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 the 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 Idaho, a
payday loan can be extended for a maximum of 31 days for each
extension. You may be able to extend multiple times. |
Can I pay early? ^Top
Yes. You may prepay at any time without penalty.
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 store locations to pay via cash, certified check, or money order.
|
What if I cannot repay? ^Top
Call us immediately! You may be eligible to extend your 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. |
How soon can I get another 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: to - You do not have any past due loans with us.
- You do not have any loans that are due the next
business day.
|
What other services do you provide? ^Top
USA Cash Services currently only offers Online Payday Loans in Idaho. |
|