Frequently Asked Questions (FAQ)

What is Trusted Cash Loans?

Trusted Cash Loans is an online loan connection platform that helps individuals find short-term payday loans and longer-term personal installment loans from a network of licensed U.S. lenders. We are not a direct lender and do not make credit decisions.

Do I qualify for a loan?

Eligibility varies by lender, but most borrowers must:

Credit score is not the only factor — many lenders consider employment history and income stability.

Will applying affect my credit score?

No. Submitting a loan request through our site does not affect your credit score. Some lenders may perform a soft or hard credit pull if you accept their loan offer.

How much can I borrow?

Payday loans typically range from $100 to $1,000. Personal installment loans can range from $1,000 to $5,000. Final approval amounts depend on your income, state regulations, and the lender's policies.

How fast can I get the money?

Many lenders offer same-day or next-business-day funding once your application is approved and signed. Timing may vary depending on your bank’s deposit schedule.

What’s the difference between a payday loan and an installment loan?

A payday loan is a short-term loan repaid in full by your next payday (typically 7–31 days). An installment loan is repaid over time in regular monthly payments, usually over several months or years.

What are the interest rates?

APR varies by loan type, lender, and state law. Payday loan APRs may range from 124% to 700%. Installment loan APRs typically range from 6.99% to 149%. All rates will be disclosed by the lender before you agree to any loan.

Do you charge a fee to use this service?

No. Trusted Cash Loans is 100% free to use. You are never charged to submit an application or view loan offers.

Can I cancel a loan after applying?

Yes. If you change your mind, simply do not accept the lender's offer. If you've already signed a loan agreement, you must contact the lender directly. Some lenders offer a cancellation period or "rescission window."

What if I have bad credit?

Many of our lending partners accept applications from individuals with poor or limited credit. While approval is not guaranteed, we encourage you to apply — credit score is only one part of the decision.

Is my personal information safe?

Yes. We use advanced encryption and your information is only shared with lenders who may provide you with a loan offer. For details, see our Privacy Policy.

Where can I get more help?

If you have questions or need assistance, contact our support team at [email protected].

Frequently Asked Questions – Payday & Personal Loans

We keep things simple. The FAQ page at Trusted Cash Loans answers the most common questions about how our process works, what types of loans are available, and what you need to qualify. Whether you’re applying for the first time or just need a refresher, this is your one-stop guide to understanding payday and personal loans—no confusion, no pressure.