What is a cash advance? ^Top
A cash advance is a short-term
deferred deposit 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,
payday loan, deferred deposit
loan, or payroll advance. |
Why a cash advance? ^Top
Let USA Cash Services® be your
solution to any short-term
financial problems. A Cash
Advance may be appropriate for
financial emergencies. They may
help you avoid costly overdraft
fees, overdue fees, utility
disconnection fees, etc. This is
a costly form of credit. You
should also consider the costs
and benefits of this and any
other short-term credit options
you may have. |
Is USA Cash Services a Direct Lender? ^Top
Yes. USA Cash Services is a
direct lender. Many other payday
lending sites are not payday
lenders, they simply sell your
information to other affiliated
businesses. USA Cash Services is
a direct lender, and we do not
sell your information. We are
the company that will approve
and service your loan for you. |
How do I get a Utah Cash Advance? ^Top
Our Payday Loans are as easy as
1, 2, 3…
1. Submit an application for an online cash
advance. Already a
customer? Sign-In to Apply.
2. Contact us! Our Toll free
number is: 877-309-2274.
3. Choose how to receive your
money:- Directly to your
checking account within
1 business day.
- To your USA Cash
Services® Debit Card
within 1 hour. Click
here for debit card
info!
You may also receive your payday
loan at one of our many
Utah locations. |
What does it cost? ^Top
In the state of Utah, the cost for a deferred deposit varies depending on the length of your loan and amount you borrow, however there is a minimum fee of $10.00. For example, if you borrow $200.00 for 14 days, our fee would be $40.00, which equals APR of 521.43%. This is approximately $10 per week for every $100.00 you borrow. This APR is based on an example term of one payment due in 14 days.
The APR may increase or decrease from a maximum of 1460% (for a 5 day $50 loan) to a minimum of (521.29% for a 22 day $50 loan). APR variations are base on two factors. The first APR variation is caused by our minimum fee of $10.00. The second APR variation is caused by rounding (and our commitment to fully and accurately disclose our finance charges and APRs), since we must round fees to the nearest cent. If your actual payday loan is different than this example. Please use our fee calculator to determine the exact cost of your payday loan before you apply. |
How do I qualify? ^Top
In order to qualify online in Utah you must:- Have a verifiable source
of income.
- Have an open checking
account.
- Complete our easy
Application.
- Government issued photo
ID.
We reserve the right to decline
a request for an advance for any
legitimate reason.
If you are applying at one of
many store locations, bring with
you:- Your most recent
checking account
statement.
- Income verification (pay
statement or benefits
letter).
- Government issued photo
ID.
- Check Book.
|
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 regarding post dated check loans, and its own auditing requirements. There are also federal regulations governing our internet-based postdated check 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 concerning our registration, please contact us at 1-877-309-2274. If we are unable to answer your concerns you may also contact the Utah Department of Financial Institutions at (801) 538-8830 |
Do I need a fax machine? ^Top
Many of our competitors require
their online customers to fax
completed forms in order to
apply for an online loan. We
realize that not everyone has
access to a fax machine, so we
strive to minimize faxing;
however, in rare instances, we
may require you to fax certain
documentation. |
What if I've filed for bankruptcy? ^Top
In most cases, your prior
bankruptcy history will not
affect your approval; however,
at a minimum, you must be able
to provide us with your
bankruptcy closing date. |
Do you sell my information? ^Top
USA Cash Services takes your
privacy very seriously. We do
not sell your private
information or tolerate the use
of SPAM. We are committed to
protecting your privacy. |
How do I find out if I am approved? ^Top
Applications received during our
regular business hours, will
generally be approved in about
one hour. |
| How do I contact you? ^Top |
What are your business hours? ^Top
Monday - Friday 8 AM to 8 PM
(Mountain Time)
Saturdays 10 AM to 2 PM
(Mountain Time) |
When can I get my money? ^Top
At USA Cash Services® we have
streamlined our application
process so that you can have
your money as fast as possible.
If your Utah cash advance
request is completed and
approved during our hours (M-F 8
AM to 7:30 PM and Sat 10 AM to 2
PM (Mountain Time) and you
choose:- Electronic deposit to
your checking account,
you will generally
receive your money the
next business day!
- Credit to your USA Cash
Services® Debit Card,
you will generally
receive your money
WITHIN AN HOUR of
approval! Debit card fees may apply.
Loan requests that are completed
after our business hours will
generally be processed our next
business day. |
How do bank holidays affect my loan? ^Top
We are open on many bank
holidays. If we are open and you
choose to receive your money on
your USA Cash Services® Debit
Card you will generally receive
your money within one hour of
approval, even if your bank is
closed. Debit card fees may apply.
If you choose to receive your
money directly into your
checking account and your bank
is closed, your loan will be
delayed until your bank is open.
When your bank is closed it does
not process any account
information. |
What if I don't want the loan? ^Top
You have the right to cancel
this loan without paying the
finance charge. To do so, you
must call us no later than 5:00
p.m. Mountain Time on the next
banking business day following
the date of your loan agreement.
We will debit your account for
the amount financed without any
additional charges and
cancel your loan. |
How do I repay? ^Top- Automatic Payment (Our
computers automatically
create a paper draft
which is used to
withdraw repayment funds
from your bank account
on the due date.)
- Pay in cash at one of
our many office locations.
- If you cannot repay, you
may be able to extend
your loan. Sign-In to your account to
request an extension.
|
What is an extension? ^Top
You may be able to extend your
loan. To do so simply Sign-In to your account and
complete the form. A cash
advance 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 visit one of our many Utah store locations or contact us and we can automatically
debit your checking account for
an early payoff. |
What if I cannot repay? ^Top
Call us immediately! Our
computers are set up to withdraw
funds automatically from your
checking account on the due
date. If you cannot repay, you
may be eligible to extend your Utah cash advance. If you cannot extend your
advance and you know that there
are not enough funds in your
checking account it is important
that you contact us toll free (1-877-309-2274)
before your loan is due.
Contacting us prior to your due
date may save you (and us)
costly bank overdraft (NSF)
fees. |
What if I default? ^Top
If you default, you should contact us in order to make acceptable payment arrangements. We may report information regarding your debt to Clarity, Teletrack, or other similar systems used by most payday loan companies nationwide. As a courtesy, your loan history may be reported to these systems.
If you do not repay your payday loan or contact us to make acceptable payment arrangements, we may report information about your payday loan to Teletrack, a national database used by most payday loan companies nationwide. Late payments, missed payments or other defaults on your payday loan transaction may be reflected in your history with Teletrack. |
How soon can I get another cash advance? ^Top
A cash advance is a short-term loan designed to help you make ends meet. It is not intended to be a long-term solution. Utah regulations allow you to request another loan. Once your bank confirms that your loan has been paid, you are welcome to Sign-In and submit another
request. |
What other services do you provide? ^Top
USA Cash Services provides a
variety of services: |
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