- Terms Of Use
CashChex Inc. works with various participating lenders to assist our members with emergency cash loans by way of peer-to-peer companies. To become a member please visit cashchex.com and fill out the registration form our lenders will need your name, address, phone number, proof of employment or benefit income, social security number, driver’s license or state I.D. number, name of bank including ABA Routing and account information, selection of card type MasterCard or Visa.
To become a member please visit cashchex.com and fill out the registration form our lenders will need your name, address, phone number, proof of employment or benefit income, social security number, driver’s license or state I.D. number, name of bank including ABA Routing and account information, selection of card type MasterCard or Visa.
To apply for membership to CashChex must have a FDIC bank sponsorship debit card! Be 18 years of age, Prepaid cards, gift cards, store value cards, employer related pay cards etc., will not be approved for an emergency cash loan, all persons can create an account with their email and six minimum password no special upper- or lower-case characters needed to log into your account.
Once you successfully log into your account there will be a page to enter related information equivalent to the credit application this will include your ABA and bank account information, CashChex protects your privacy by using the best encrypted online security from Go Daddy the leader in SSL Security Certificates respected and licensed with major Corporations around the world such as financial institutions, Insurance, and the medical industry where persons data is top priority.
All applications will be completed by your customer service attendant, the terms of agreement and acceptance will be signed by the applicant. To protect against fraudulently use of any person’s financial information, your debit card and state issued identification will be documented along with the remaining information on the application, your customer service attendant will scan the application to CashChex for immediate review, usually a determination time is received within 1 business day
Upon acceptance from the date of your loan, applicant agrees to pay the maturity of the loan within 7-14 business days along with fees and interest cost, failure to pay the maturity of the loan or after the 7-14 business day closing date applicant personal account default status until the loan is paid off. No exceptions. Approved applicant accepts an estimated 14-day APR finance charge on loan within any of the 7-business day’s loan is still being financed.
CashChex accepts emergency cash loan payments through applicant’s bank account, debit card, money order and check. Bad credit history or have filed for bankruptcy does not determine your loan approval, however CashChex and third-party lenders at their discretion, verify application information by using national databases, including but not limited to Tele track that can be a determining factor for loan approval. Notice of furnishing negative information: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
CONSENT FOR ELECTRONIC RECORDS
Please read this information carefully and, for future reference, either print a copy of this document or retain this information electronically.
1. INTRODUCTION.
You are submitting a credit application. We can give you the benefits of our online service only if you consent to use and accept electronic signatures, electronic records, and electronic disclosures in connection with this transaction (your “Consent”). By completing and submitting an online credit application (your “Application”), you acknowledge that you have received this document and have consented to the use of electronic signatures, electronic records, and electronic disclosures in connection with this transaction (collectively “Records”).
2. ELECTRONIC COMMUNICATIONS.
You may request a paper copy of any Record by e-mailing: info@cashchex.com You may request a paper copy even if you withdraw your Consent. We will retain the Records as required by law and will provide you a paper copy of any Record at no charge.
3. CONSENTING TO DO BUSINESS ELECTRONICALLY.
Before giving your Consent, you should consider whether you have the required hardware and software capabilities described below.
4. SCOPE OF CONSENT.
Your Consent and our agreement to conduct this transaction electronically only apply to this transaction. If we receive your Consent, then we will conduct this transaction with you electronically.
5. HARDWARE AND SOFTWARE REQUIREMENTS.
To access and retain the Records electronically, you will need to use the following computer software and hardware: A PC, Mac, Android, or iOS device with the latest version of Google Chrome, Mozilla Firefox, Apple Safari, Internet Explorer or Microsoft Edge. To read some documents, you will need a PDF file reader like Adobe Acrobat Reader. If at any time during this transaction these requirements change in a way that creates a material risk that you may not be able to receive Records electronically, we will notify you of these changes.
6. WITHDRAWING CONSENT.
You may withdraw your Consent at any time and at no charge to you. If you withdraw your Consent prior to receiving the credit transaction, then your withdrawal will prevent you from obtaining an online credit transaction (i.e., a credit transaction obtained over the Internet). To withdraw your Consent, you must e-mail us at: info@cashchex.com Note, however, that the withdrawal of your Consent will not affect the legal effectiveness, validity, or enforceability of the credit transaction or of any Records that you receive electronically prior to such withdrawal (including but not limited to the Arbitration Agreement and the Notice-of-Grievance Agreement, each set forth above).
7. CHANGE TO YOUR CONTACT INFORMATION.
8. AUTHORIZATION, AGREEMENT, AND REPRESENTATIONS.
BY CLICKING THE “I AGREE” BUTTON BELOW, YOU CONSENT TO USE AND ACCEPT ELECTRONIC SIGNATURES, ELECTRONIC RECORDS, AND ELECTRONIC DISCLOSURES IN CONNECTION WITH THIS TRANSACTION. YOUACKNOWLEDGE THAT YOU CAN ACCESS THE RECORDS IN THE DESIGNATED FORMATS DESCRIBED
NOTAGREE TO THE TERMS AND CONDITIONS DESCRIBED IN THIS DOCUMENT, THEN CLICK THE “I DO NOT AGREE” BUTTON BELOW.
AGREEMENTS
HOW WOULD YOU LIKE TO PAY FOR YOUR LOAN?
ELIGIBILITY NUMBER (OPTIONAL) If you are responding to a mail offer, please enter your eligibility number
WARNING ABOUT FRAUD AND IDENTITY THEFT:
Attempting to obtain a credit transaction by providing false information, including but not limited to the use of false or altered documents and the use of another person’s identity other than your own (Identity Theft), is fraudulent and, in some cases, punishable by law. We reserve the right to report any and all information obtained in connection with a verified fraud attempt to local, state or federal authorities including the Internet Crime Complaint Center, an FBI-NW3C partnership, for possible investigation and prosecution. For more information about the NW3C and the FBI, visit www.ic3.govNotice of Furnishing Negative Information: We may report information about your account to credit bureaus. Late payments missed payments or other defaults on your account may be reflected in your credit report. By submitting this application, I consent to receive telephone and SMS text alerts, that may use automated technology, about marketing and promotional offers on my phone. I understand I am not required to provide consent as a condition to obtain this product.
ONLINE DISCLOSURES
Customer Notice:
Emergency Loans are typically for two-to four-week terms. Some borrowers, however, use Emergency Loans for several months, which can be expensive. Emergency Loans (also referred to as Emergency Advances, Cash Advances, Deferred Deposit Transactions/Loans) and high-interest loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction. Seeinfo@cashchex.com for specific information and requirements.
Rhode Island licensed check casher. California licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. Texas loans originate by a third-party lender, restrictions apply. Delaware licensed lender by the Delaware State Banking Commissioner, expires 12/31/2022. CashChex is not a direct lender in Texas,
- Approval depends upon meeting legal, regulatory, and underwriting requirements. Online applications completed and approved prior to 8 pm (ET) can have funds as soon as the next business day. Retail applications completed online can obtain a “Conditional Approval” at any time. Retail locations can provide funds, upon approval, during regular business hours. Check info@cashchex.com for detail on store information. All times and dates are based on Eastern Time (ET). Online amounts may vary by state. Please see the website for details. All products and service options are subject to change without notice. CashChex may report customer loan information to one or more credit reporting agencies. Late payments missed payments and other events of default may be reflected in customer credit reports. See CashChex.com for details.
CashChex and third parties verify application information by using national databases that may provide information from one or more national credit bureaus, and CashChex or third parties may take that into consideration in the approval process. We do not report credit in Ohio, Texas in Illinois. Products or services offered to customers may vary based on customer eligibility and applicable state or federal law. All available products subject to applicable lender’s terms and conditions. Actual loan amounts vary. See State Center for specific information and requirements.
** CashChex doesn’t charge you for using text messages (SMS) for two-factor authentication. However, your mobile provider’s standard rates for sending and receiving messages may apply.
† By providing your telephone number, including any mobile number, you consent that we may call you at these numbers for servicing and marketing telephone calls.
CashChex currently operates online in: Alabama, California, Delaware, Florida, Idaho, Illinois, Indiana, Kansas, Maine, Michigan, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Oklahoma, South Carolina, Texas, Utah, Wisconsin.
Notice to California consumers: In order to process credit applications, service accounts, and provide the best online experience, CashChex collects various categories of information on consumers during the application process. Categories of information may include name, address, signature, telephone number, internet protocol address, email address, account name, social security number, driver’s license or state identification information, bank information, credit information, employment-related information, internet and network information, geolocation data, product preferences, and inferences drawn from this information.