What is a cash advance?
A cash advance is a short-term loan, typically paid off on your next payday. A cash advance can range anywhere from $50.00 – $255.00 and is meant to help during a financial shortage between paychecks.
How can I apply for a loan?
We at Cash Stand are committed to offering our customers simple and easy ways to apply for payday loans. You can either come visit us at one of our stores, fill out an online application form, or call 1-800-944-9820 and one of our friendly customer service representatives will be happy to fill one out for you over the phone.
How much money can I receive? And when can I receive it?
The exact amount of money you are able to receive is based upon the information you provide in your application. Typically, loans range anywhere from $50.00 to $255.00 in California. Depending on what method you choose to fund your loan, you will receive your money immediately via debit card or in your checking account on the next business morning.
In what form do I receive my money?
Cashstand has partnered with CashPass and Netspend to provide you the latest in prepaid Visa and MasterCards. Electronic transfer directly into your checking account via ACH is also available.
I have bad credit. Will this effect my eligibility for a loan?
Cash Stand is here for you regardless of your credit score. Unlike traditional loans, your credit score is not a factor in your eligibility for a cash advance. Rather, Cash Stand charges a standard fee to all customers. We simply calculate your eligibility based upon your ability to repay the loan.
When is my loan due?
Repayment for a loan is typically due on your next payday, from 2 weeks up to 30 days.
What do I need to bring with me to get a cash advance?
If you’re visiting us in one of our many locations, bringing the following 6 documents will make the loan process fast and easy:
-Valid photo ID
-Most recent Pay Stub
-Most recent Bank Statement
-Most recent Phone Bill (cell or home)
-Completed Cash Stand Loan Application (print it off at home from our website or fill it out in the store)
How do I apply for a loan on your website?
Simply fill out our short online application form located here. A message will appear stating that your application has been approved or will need further review. If necessary, we will verify the information provided and process the application.
Do I need to fax any documents?
If you visit one of our Cash Stand locations, our agents will take care of all faxes. If applying online, we may require you to send us copies of your most recent bank statement (covering 30 days of transactions) and a voided check from your account. If you are a previous customer, with some exceptions, we will use your previous statement for 90 days.
How much does CashStand charge me for the loan?
Fees for cash advances are regulated separately state by state. Pursuant to California law, CashStand charges $15.00 per $100.00 loaned for our internet loans and $17.65 per $100.00 in our stores.
What will happen if I am unable to repay my loan on the due date?
We at CashStand encourage responsible borrowing and lending. In our application process, we loan only to those who we feel will be able to repay. However, if your check is returned from your bank unpaid, you will be responsible for the amount of the check plus a late fee as allowed by state law. CashStand will make reasonable arrangements with you for repaying the loan, but if payment is not made your account may be turned over to a collection agency. CashStand does not pursue criminal charges, but in certain cases we may take civil action to collect past due accounts.
Can active military personnel be eligible for a cash advance?
No, due to Federal Law, most short-term products are not available to members of the military.
I’m a returning customer, and want to do a loan online, but I’ve never done one before. How do I do it?
If you have done a loan with CashStand at one of our retail locations, but now would like to do one online, simply click here and enter your information in the fields on the right. You’ll create your own password to login to the returning customers profile page there.