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HolidayCashQuick.com short term loan review

Information verified correct on April 24th, 2017

Considering a short term loan but are unsure about the process? This review will give the information you need to make your decision.

If you have found yourself in need of emergency funds and you are considering a short term loan or cash advance, HolidayCashQuick.com can help match you up with a lender, even if you have bad credit or no credit history at all.

HolidayCashQuick.com does not directly issue loans; instead, they connect customers with lenders that uphold solid practices and standards. Once you get approved with a lender, you can view the loan’s terms and conditions before you decide whether to accept the loan. Loan amounts vary from $100 to $1,000, and the payment is typically due on your next pay date.

What is a short term loan?
A short term loan, also known as a cash advance loan, is a personal loan (typically $500 or less) that usually must be repaid within two weeks to a month. The repayment date is determined by your pay schedule. Because short term loans come with steep finance charges, it is not a long-term solution, but a temporary fix to an unexpected financial situation. Rules and regulations for short term loans vary from state to state, and are even not permitted in some states.

How does HolidayCashQuick.com compare?

Rates last updated April 24th, 2017
Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
Max. Loan Amount Term of Loan Turnaround Time Costs
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
$1,000 Varies by state 1–2 business days Varies depending on the amount and your state of residency. Go to site More
SWIFT Payday Loan
Access multiple lenders with a 5-minute application for a cash advance on your paycheck.
$1,000 Varies by lender Next business day APR varies by lender Go to site More
Check City Payday Loan
Apply for a fast, secure and confidential payday loan — even with less-than-perfect credit.
Depends on state of residency Varies by state Next day Depends on state of residency. Go to site More
CashNetUSA Loan
Apply for a $300 to $2,250 short-term loan, installment loan or line of credit with a day’s turnaround.
$2,250 Varies by state 1 business day Varies by state of residency. Go to site More
OppLoans Installment Loans
Get a better personal loan of up to $5,000 with 9- to 24-month repayment terms, depending on your state.
$5,000 9 to 24 months 1 business day Depends on state of residency. Go to site More
Cash Central Payday Loan
Offers high-APR cash loans of up to 32 days deposited directly into your checking account.
$5,000 Varies by state 1–2 business days Depends on your credit history and the state you live in. Go to site More
ACE Cash Express Payday Loans
An array of services in 1,000 locations include short-term, installment and title loans with terms that vary by state.
Varies by state Varies by state Generally receive the money the next business day Varies depending upon the state where you reside. Go to site More
LendUp Payday Loans
LendUp offers $250 loans for first-time borrowers. Good credit is not required.
$250 7–30 days 1 business day Varies depending on the loan terms and your state of residence. Go to site More

Have we missed anything in the comparison table? Tell us

  • If the provider quotes a different rate to the one above please let us know

Product Details:

HolidayCashQuick.com does not charge for their services. Additionally, the company does not collect on any debts — this is left up to each individual lender. Each lender will provide the loan contract and the terms, and will have their own rates, fees and conditions. To find out more about your loan, you can also contact your lender directly. If you are not happy with the terms, you can apply again and be linked up with a new lender.

  • Interest rate: Varies by lender, but averages are 260.71% to 782.14%.
  • Maximum loan term: The loan is usually due on your next pay date. Some lenders may be able to extend the term. The amount of time you will have to pay back the loan also depends on factors like the lender’s guidelines, your state, the local loan rules, the amount borrowed, etc.
  • Maximum loan amount: Varies by loan terms and state of residence, with a general range of $50-$1,000.
  • Application fee: It is free to use HolidayCashQuick.com; however, your direct lender will charge a fee.

What are the benefits of HolidayCashQuick.com?

  • Secure. HolidayCashQuick.com boasts being secure and private. The company states that only you and the lender are involved with the transaction.
  • All credit OK. The company works with a wide variety of lenders. Because of this, there is most likely a lender that can help you, regardless of if you have bad credit or no credit history at all.
  • Money when you need it. If you experience a financial emergency, HolidayCashQuick.com can help you find access to a cash advance loan, quickly.

What to watch out for:

If you miss a payment, or make a payment late, you could end up with a penalty fee or a new finance charge that varies by lender. Some lenders will extended the next pay date, usually for an additional fee.

If you miss payments or make them late, your lender may report these faults to the credit bureaus, which in turn could hurt your credit score. Additionally, your lender can also send your loan to a collection agency if you do not repay the loan.

One of the biggest drawbacks is that interest rates are typically higher for short-term loans. Short-term personal loans are an expensive form of credit, and do not act as a long-term financial solution.

  • Not a direct lender. HolidayCashQuick.com is not a direct lender, and instead connects each customer to a lender from a network. There may be a lack of transparency in rates and terms until you are matched with a lender.
  • Loan renewal. HolidayCashQuick.com will not provide a loan renewal. Loan renewals with lenders vary, however.
  • Fees vary. Fees will differ depending on the lender. Additionally, HolidayCashQuick.com does not disclose the fee or interest rate before applying for the loan since this is determined by the lender.

Am I even eligible?

Lenders have the power of approval. HolidayCashQuick.com does not control if people are approved or denied. To be eligible for a loan, you must meet the following requirements:

  • Be at least 18 years old
  • Have a regular source of income
  • Have an active open bank account

Lenders may also have additional varying eligibility requirements dealing with income, direct deposit of pay, past personal loan history, state of residence, etc.

What information do I need to apply?

To apply, you will need to provide the following information:

  • Loan amount
  • First and last name
  • Birth year
  • Your Social Security number
  • Zipcode
  • Form of identification (driver’s license, state ID, passport number, or Social Security number)

How to apply through HolidayCashQuick.com

Applying for a loan from HolidayCashQuick.com is online, simple, and quick. To apply, all you have to do is fill out the loan application form, and HolidayCashQuick.com’s application portal will match you up with a direct lender. After you fill out the application and press the submit button, the company will match up your application with a lending partner that best suits your needs. After the application is accepted and approved, HolidayCashQuick.com will direct you to the lender’s website to complete the process. It is important to note that the lender may contact you via phone or email to discuss the loan details.

Rates last updated April 24th, 2017
Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
Max. Loan Amount Term of Loan Turnaround Time Costs
HolidayCashQuick.com Short-Term Personal Loans
Get approved for cash in minutes — with next-day access — through this broker's fast, easy application process.
$1,000 Varies by lender Next business day Varies by lender More

Have we missed anything in the comparison table? Tell us

  • If the provider quotes a different rate to the one above please let us know

I got the loan! Now what?

Make sure you understand your lender’s terms and conditions for your loan. This is especially important since this will vary from lender to lender. Some lenders may let you set up an automatic payment. Either way, stay on top of your payment so you are not faced with any late or missed payment penalty fees.

HolidayCashQuick.com summary

If you are looking for help finding a short-term personal loan lender, HolidayCashQuick.com may be worth exploring. Plus, HolidayCashQuick.com does not charge anything for its services. Before applying for HolidayCashQuick.com, be sure to check out other personal loan companies and financial options.

FAQs

What is a personal loan?

Personal loans are not a long-term solution, but they can help you get through a financial emergency. A personal loan is unsecured, and is also known as a short-term loan, payday loan, cash advance, cash loan, fast cash, fast loan, bad credit loan, deferred deposit, installment loan, etc.

What if I only have a savings account?

There are some lenders in the network that are OK with you just having a savings account.

How can I improve my chance of getting my application approved?

Answer all of the application questions, and try to be as clear as possible. Additionally, make sure that your answers are accurate. To increase your chances even more, open a checking account (if you don’t already have one) and have your paycheck delivered by direct deposit.

How do I receive cash?

Your lender will deposit your loan funds directly into your bank account. You can also potentially choose to receive the funding by wire, or receive it at a storefront location, depending on your lender.

How do I stop receiving HolidayCashQuick.com marketing emails?

You can unsubscribe directly from HolidayCashQuick.com’s website.

Are payday loans available in my state?

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US Payday Loans Offers

Learn about our information service
Check into Cash Payday Loan

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

LendUp Payday Loans

LendUp offers $250 loans for first-time borrowers. Good credit is not required.

SWIFT Payday Loan

Access multiple lenders with a 5-minute application for a cash advance on your paycheck.

CashNetUSA Loan

Apply for a $300 to $2,250 short-term loan, installment loan or line of credit with a day’s turnaround.

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