Cashback car title and installment loans review November 2018 |
Cashback Loans

Cashback Loans

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Do you live in California and want a payday loan? Take a look at what Cashback Loans has to offer.

Cashback Loans began in 2003 in Southern California, and now has 29 stores open seven days a week. They offer short term loans to California residents, in person or online.

Cashback Loans is a direct lender, so you don’t have to worry about your information being shared. The maximum loan amount for payday loans in California is $300. This lender abides by all applicable state laws.

How borrowing from Cashback Loans works

You can apply for a short term loan online, over-the-phone and in person. If Cashback Loans approves your application you get a loan contract that you need to review carefully. Keep your eye out for late fees, APR and length of the loan. If you apply over the phone or online, Cashback Loans transfers the money to your bank account on the same or next business day. If you visit a Cashback Loans store, you will get the money immediately.

You have to repay the loan on or before the scheduled due date, which is typically your next payday. Failure to do so will result in high fees.

How does Cashback Loans compare to other lenders?

Rates last updated November 19th, 2018
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Max. Loan Amount Turnaround Time Requirements
CashUSA Installment Loans
A connection service for quick cash loans up to $10,000.
As early as 1 business day
Must have a monthly income of $1,000+ after taxes and valid checking account.
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
1 business day
Must have direct deposit and meet minimum income requirements.
Jora Installment Loans
Installment loans with repayment terms up to 30 months, depending on your state.
1–2 days
Must have an active checking account, regular source of income and email address.
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
1–2 business days
You must be at least 21 and an American citizen and have a bank account, email address and phone number.
LendYou Short-term Loans
Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
ACE Cash Express Short-term Loans
Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
Varies by state
Generally receive the money the next business day
Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

Compare up to 4 providers

What are the benefits of Cashback Loans?

These are some of the potential benefits of a Cashback Loans payday loan:

  • No credit check. Cashback Loans relies on your bank and employment information to process your application. As long as you can demonstrate an ability to repay, you can get a payday loan from this lender.
  • Easy application process. The application takes no more than a few minutes to complete, and you can aply online, over the phone or in the store.
  • Get money quickly. If you apply in-store you can get your hands on your money within a few minutes. If you apply over the phone or online before 10:30am PST, the money can transfer into your bank account on the same day. If not, the funds should make it to your account by the next business day.
  • Use the money anyway you want. You can use your money for paying bills, going on a vacation, fixing your car or simply getting by after a setback.

How much will the loan cost you?

State regulations dictate the interest and fees that Cashback Loans can charge for its payday loans. The maximum annual percentage rate (APR) is 460%.

If you apply for a $100 loan, you’ll receive $85, with $15 in fees deducted by Cashback Loans. Similarly, if you borrow $300, you’ll receive $255, with $45 in fees. You still have to pay back the full amount.

If you are unable to repay your loan by the due date, you are able to buy it back to avoid at $15 returned check fee.

Are loans from Cashback Loans safe?

As long as you’re okay with the fee structure of payday loans in California, you can be sure that dealing with Cashback Loans is safe. This lender has a valid license issued by the Department of Corporations and has the required permissions from the Department of Justice. It operates in complete compliance with all applicable California state laws.

Since it has a license to operate only in California, it does not provide payday loans in other states. It follows the Fair Debt Collection Practice Act.

Here’s how you can apply for a Cashback Loan

Visit any Cashback Loans store to apply, get started over the phone or apply online. Click on the “Go to Site” button if you wish to submit an online application. Applying requires that you meet these eligibility criteria:

  • You are over 18 years of age
  • You are an American citizen or a permanent resident of the US
  • You are a resident of the State of California

Completing an online application successfully requires that you submit this information:

  • Your name, phone number, residential address and email address
  • Your social security number and details from an acceptable form of ID such as your driver’s license or passport
  • Your employer’s name and phone number, your last check amount, your pay frequency and your next payday
  • Your bank’s routing number and your account number

Frequently asked questions

Are payday loans available in my state?

Elizabeth Barry

Elizabeth is an editor for specialising in personal finance and fintech. She enjoys reading PDSs so you don’t have to.

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US Payday Loans Offers

Important Information*
Slam Dunk Loans

Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

LendUp Payday Loans

LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

Go to site