Why should I get a loan through All Cash Lending instead of carrying a balance on my credit card?

A Personal Loan or Line of Credit will provide you access to the money you need to consolidate debt, make home improvements, pay for unexpected expenses and more. All Cash Lending offers access to low rates with a fixed payment schedule. With loans through All Cash Lending, your interest rate is FIXED. Most credit card rates are variable, meaning they increase as the Prime rate increases. Lock in a FIXED rate today, the Federal Interest Rate may raise rates again soon.

Is there collateral required?

All Cash Lending requires no collateral for loans funded.

What will my interest rate be?

Actual personal loan interest rates will vary based on a variety of factors. The amount of creditworthy you are, the length of the loan, the loan amount and the lender.

What about my credit history?

Consumers with all credit types are welcome to submit a short-term loan request form. Consumers with bad credit history may get access to loans as well, depending on certain lenders. However, our website makes no representation that all consumers will qualify.

Does pre-approved mean that I am guaranteed approval?

We used information contained in your credit report to determine that you satisfied certain criteria for credit worthiness in conjunction with this offer. If, after you respond to this offer, it is determined that you no longer satisfy those criteria, credit may not be extended to you. This can happen if your credit score has recently decreased. Additionally, we don’t have your income information until you apply for a loan. Credit may not be extended to you if you do not have sufficient income to support your loan payments.

Are there penalties for early payment of my loan?

There are no fees or penalties for early payment of your loan. You only pay interest on your loan on the outstanding balance, so early payment will also reduce your interest charges. Any fees already paid, including origination or fees, will not be refunded.

Is there an option to refinance an existing loan?

Loan renewal policies are largely governed by state law and vary among Lenders. Only a lender can provide accurate information on your specific loan terms. In states where rollovers or extensions are allowed, interest rates, and late fees may be added to the original loan amount by your lender and that can result in a substantial increase to the amount you will be required to pay back. Again, be sure to read your lender’s loan agreement carefully and thoroughly before signing the initial loan contract. We encourage you to reach out to your lender directly for more information.

Is my personal information kept safe?

Our website is committed to keeping consumer information safe from unauthorized access and takes several precautions to protect your personal information. We use robust industry procedures and safeguards, including encryption, to protect personal information. Our Company will never sell or share your information with unaffiliated third parties.