Frequently Asked Questions

You must be at least 18 years old to submit a CashyLend request. Each participating lender sets its own eligibility rules, which may include state of residence, income, identity, bank-account, and credit requirements. CashyLend is not licensed to lend because it does not issue loans.

No. Lenders in our network deposit funds into, and collect payments from, a checking or savings account at a bank or credit union held in your name. Prepaid card accounts such as NetSpend, Green Dot, Bluebird, Walmart MoneyCard, RushCard, or Direct Express can't be used, and a request that lists one is not sent to lenders. If you only have a prepaid card, open a checking account first, then check your rate. See our loan requirements for details.

Yes. A job is not required. Many lenders in our network count Social Security, pension, annuity, retirement-account, disability, and VA income, plus any part-time earnings. Choose Retired or Benefits/Disability as your employment status and enter your total gross monthly income. There is no upper age limit. Read more on our loans for seniors and retirees page.

The CashyLend request form does not ask you to upload documents. A participating lender may later request identification, income, address, or bank documents under its own process. Confirm that you are communicating with the lender before sharing additional sensitive information.

CashyLend does not set a minimum credit score or make eligibility decisions. Participating lenders use their own criteria, and a lower credit score may reduce available options or lead to a higher APR. A request does not guarantee an offer. See what credit score you need for a personal loan.

Potential amounts offered by participating lenders range from $500 to $200,000. The amount, if any, depends on the lender, your state, income, existing debt, credit profile, and other underwriting criteria.

Potential APRs offered by participating lenders range from 5.99% to 35.99%. A specific APR depends on the lender, credit profile, amount, term, state, and other factors. Review the APR, fees, payment schedule, and total repayment before signing. See our Rates & Terms page for details.

CashyLend does not charge a fee to submit a request. A participating lender may charge origination, late, returned-payment, or other fees and may have its own early-payoff rules. Review every fee and condition in the lender agreement.

The CashyLend form has four focused steps. Response timing varies by participating lender, and submitting a request does not guarantee that a lender will respond.

Submitting a CashyLend request does not itself affect your credit score. A participating lender may later request a credit report under its own process and disclosures. Ask whether an inquiry will be soft or hard before continuing.

If a participating lender approves your application and you sign its agreement, that lender may deposit funds in as little as 1 business day. Timing varies by lender, bank, day, and time; CashyLend does not control funding.

The participating lender sets the payment method, schedule, and term in its agreement. Potential terms range from a minimum of 3 months to a maximum of 84 months. Review payment dates and authorization terms before signing.

Early-payment rules vary by lender. Review the lender agreement or ask the lender whether extra payments and early payoff are allowed and whether any fee applies.

Contact your lender as soon as possible. The lender—not CashyLend—services the loan and decides whether hardship or payment-plan options are available. Late fees and credit reporting depend on the lender agreement and applicable law.

Only your lender can change a repayment plan or loan term. Contact the lender shown on your agreement to ask what options, if any, are available.

Data submitted through the site is encrypted in transit with SSL/TLS. CashyLend may share request information with participating lenders for evaluation, as explained in our Privacy Policy.

Credit reporting practices vary by lender. Ask the lender which bureaus it reports to and review its agreement before accepting an offer.