If you ever find that you are short on cash before your next paycheck, Cash America is a lender that is willing to help everyone with a payday cash advance loan or a pawn loan.
Apply for a payday loan online at www.cashamerica.com/, or you can go into one of their convenient 900 locations. The maximum amount that you will be allowed to borrow can be different than it might be in other states. That is because the states regulate these loan limits, and each may be different. Once your loan is approved, the cash will be put into your bank account the very next business day.
Cash America not only offers cash advance payday loans, but they also offer loans that they call Pawn loans. Pawn loans are not approved by your having a good credit rating either. Pawn loans, at Cash America, are loans that are given when you put up something for collateral. This means that they will give you an amount of cash that is equal to the value of whatever item you are putting up. Items of value can include such things as diamond or gold jewelry, name brand watches, cameras, tools, guitars, etc. Even firearms will be taken as collateral.
All you do to get a pawn loan is bring your item into the Cash America store along with a photo ID. Cash America will decide on how much the item is worth, and then loan you that amount. This whole process takes only a few minutes, and then you are out the store with your money in hand. Pawn loan term lengths are mandated by the state where you live. The normal term length is usually 30 days and a 30-day grace period. When your loan is due and if you find you cannot pay it back in full, you can ask for an extension. If your state allows extensions, Cash America will agree to it and grant you an extension for the allowable time your individual state has mandated. If you would rather, your item can be given up for the total payment of the loan.
Cash America also sells items that they have taken in as collateral for pawn loans if they have been given up as payment. Cash America can do layaways for you if you want something you see for sale, but can't afford it right then. You can put down 10%, and then make payments until you have paid the full amount for the item. They also participate in an online auction site and put up their firearms for customers to bid on. The auction site does background checks with the help of local firearms dealers who are federally licensed to sell firearms, and Cash America will transfer the firearm to the winning bidder through them.
Cash America Ratings
- Average 4.8
- Service 4.7
- Cost 4.3
- Time 5
- Use Again 5