#quick payday loan #

How GoLoansGo.com Works

Fast and easy loans, when you need them

A cash loan is a quick, convenient way to get emergency funds when you just can’t wait until your next paycheck. At GoLoansGo.com, it’s just a three-step process to receive the cash you need.

Step 1: Fill out the application form

The first step is to fill out our online Cash Loan Application Form.

The application process is completely free. For faster approval of your loan, please make sure to fill in the form as completely and accurately as possible.

You can request a loan for up to $1,000 in emergency cash.

GoLoansGo.com works with a vast network of lenders across the country. The basic requirements imposed by lenders are listed below. To apply you must be:

• A United States citizen or permanent resident;
• 18 or older at the time you submit your application;
• Continuously employed at your current job for at least 90 days.

You also must have:

• A minimum gross monthly income of $1,000.
• A valid and active checking account in your name.
• Home and office contact information.
• A valid email address

Step 2: Fast application review

GoLoansGo.com submits your personal information securely, using the most advanced encryption standards available. Once we receive your application form, it is electronically forwarded to multiple lenders for review.

Our lenders may contact you with requests for proof of eligibility, such as copies of your pay stubs. The review process is fast, and once your loan is approved, you’ll be informed of the terms and fees offered with your loan by each approving lender.

Please note that late payments on your cash loan will involve additional fees in excess of your loan interest. Your state’s laws and regulations outline the terms and penalties for late payments.

When selecting a lender for your cash loan, look for reasonable fees and clear, straightforward terms. The Truth in Lending Act requires lenders to disclose all fees that may be incurred during the loan process.

Step 3: Receive your cash!

After you select a lender and remit your e-signature, which serves as your acceptance of the cash loan terms, the lender will deposit the funds into your checking account. Cash deposits may be received as quickly as one business day from the date of your application.

In addition to fast, convenient loan application processing, lenders offer flexible post-loan terms and conditions:

Automatic repayment

Your loan amount, along with associated fees, will be withdrawn automatically from your checking account on the due date, which is usually your next payday.

Loan extensions

If for some reason you’re unable to make your payment on the due date, your loan can be rolled over or extended.

Unlike late payments, loan extensions do not incur late fees. If you need an extension, your lender will work with you to arrive at a fair and lawful payment arrangement.

Your state laws will determine how frequently a cash loan can be extended. By law, a lender who is a member of the Community Financial Services Association of America (CFSA) can only extend a cash loan payment plan once within a period of 12 months.

For more information, please see the CFSA Customer Bill of Rights .

Loan default

If you default (do not repay) on your loan, lenders may charge additional fees, or criminal charges where mandated by law. You may be protected from criminal charges if your lender is a CFSA member. Please consult your state regulations for non-payment of cash loans.

Rates Fees

Fee for Application is Free

When you are in an unexpected financial situation we understand that you are looking for some fast cash. Financial issues can be very stressful and will just make it worse if you were charged an upfront fee for applying for a cash loan. At GoLoansGo.com we offer a free no-obligation application for a cash loan. GoLoansGo.com is not a lending company, we can not provide loans directly to you. After you fill out and submit your application on our site you will be redirected to lenders in our network to find the right cash loan for you. You are not obligated to choose any offers. When you do choose an offer that best fits your situation you will than need to sign an agreement between you and the lender. Fees and charges for cash loans will be set directly by the lender, you will not and do not pay anything to GoLoansGo.com

Rates and Fees of a Cash Loan

Each lender has their own fees and rates for a cash loan. We recommend you review each lender’s terms and conditions carefully. Lenders’ charges and fees are determined by the lenders and not us. GoLoansGo.com has no control over how much the lenders charge. Short term cash loans are deposited fast, so keep in mind the rates and fees will usually be higher than those of banks.

Keep in mind you are not obligated to accept any agreement from lenders. You may cancel any offers that you are not interested in. When you do find what you are looking for you will then be asked to sign electronically, after that it will take about one business day for you to receive your funds deposited in your bank account.

Having a poor credit history will not necessarily mean you wonʼt get approved for a cash loan. Lenders look at more than credit history to decide whether you meet requirements for a cash loan with them.

Truth in Lending Act

It is required by the Truth in Lending Act that lenders inform customers of all the details of a cash loan prior of agreement. Customer will also have a choice whether or not to accept the terms, or you may choose not to sign and cancel.

Fees and Rates Regulations by State

Regulations for cash loans vary by each state. There are some states that have restricted companies of having a cash loan offer. It is important for you as the customer to understand your stateʼs fees and interest charges as well as the maximum loan amounts. We have provided a list of the current fees and rates and regulations of each state below.

State:

• Customers may only borrow a total of $1000 of all short term loans at any given time.
• The maximum amount of fees is not limited.

State: Alabama

Cash Loan Limit: $500

Lenderʼs Finance Interest:

• An additional $10 fee per loan request.
• May not be more than 17.5%.
• Extra 3% may be charged after loan period expires.

• May not exceed more than 36% of total annual fee.
• One current cash loan is allowed.
• Fees for cash loan may not exceed either $400 or a total amount of the loan (whichever one is less).