iCashLoans.com short term loans review | finder.com

iCashLoans.com short-term loans review

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This free loan connection service can help you find short term funds of up to $1,000, but with potentially high APRs and fees.

When a financial emergency arises between paychecks, it can be difficult to come up with the cash to move beyond the crisis.

If you are unsure of which direction to go, iCashLoans.com may be able to connect you to a short term loan from one of the 100+ lenders among its network. However, like most short term loans, loans through iCashLoans.com can be costly.

Product NameiCashLoans.com Short Term Loans
Min Loan Amount$100
Max. Loan Amount$1,000
Loan TermVaries by lender
Turnaround TimeVaries by lender
RequirementsBe employed, have a bank account in your name and income of at least $1,000 per month.
  • Be employed in your current position for at least 90 days
  • Be at least 18 years old, and a US citizen or a permanent resident
  • Have a bank account in your name
  • Have an income of $1,000 or more per month after tax withholdings
  • Have a valid email address and phone number

What is iCashLoans.com?

iCashLoans.com is a lender-connection service that combines the steps of finding and applying for a loan into a straightforward online process. By completing a simple form on their website, you’ll start the process of connecting with lenders willing to provide the funds you need. You won’t pay a fee for this service; rather, lenders themselves pay a fee to iCashLoans.com for the help in increasing their customer base.

Interest rates and other terms are set by the lenders but are regulated by your state of residence.

What are the benefits?

If you need quick cash to bridge the gap between paychecks, iCashLoans.com is a way to be connected to potential lenders, among other benefits.

  • Streamlined access to multiple lenders. Apply easily to be connected with a lender that fits your needs — often in minutes.
  • Fast funding. While turnaround varies by lender, you could see funds in your bank account as soon as within 24 hours of approval.
  • Automated repayments. Avoid late fees and potential penalties with automatic deductions from your bank account.
  • Won’t harm your credit. In most cases, iCashLoans.coms’ lenders use alternative sources like Teletrack and DP Bureau to check your credit, which doesn’t typically affect your FICO credit score.

What to watch out for

iCashLoans.com will search its network to find you a lender, but its loans don’t necessarily come with the lowest costs or best terms. Consider the factors below before signing a contract.

  • Not a direct lender. Because it’s a loan connection service, your information could be sold to other lenders as a “lead.” (Compare direct short-term loan lenders.)
  • APRs can be high. Depending on the lender you are connected with, your APR could be in the four digits.
  • Lenders are a mixed bag. Because every lender in the network has its own policies, conditions and fees, be sure to review everything before signing an agreement.
  • F rating and user complaints on the Better Business Bureau (BBB). The BBB reports several unanswered complaints online, resulting in an F rating. Customers complain of identity theft and money that never arrived.

Compare more online payday loan brokers

Rates last updated November 14th, 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
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
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.
CashAdvance.com Payday Loans
Whether for emergencies or unexpected expenses, this provider may be able to connect you among its nationwide network of lenders.
1–2 business days
You must be at least 18 years old with take-home monthly income of at least $1,000 after taxes.
Slam Dunk Loans
Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.
As soon as next business day
Must be employed, receive regular income, earn at least $800 a month, have a checking account, be 18+ yrs old and a US citizen.
TriangleCash Payday Loans
If you have bad credit or no credit history, apply to be connected to a network of lenders for funding at rates that vary by state.
As soon as next business day
You must be a US citizen, at least 18 years old, and have a valid bank account.
LoanSolo.com Payday Loans
Potentially get connected with a legit lender offering convenient payday loans and quickly get funds.
As soon as one business day
You must be 18+ years old, legally work and live in the US, have a bank account in your name and be employed with sufficient income.

Compare up to 4 providers

Is it safe to apply?

This loan connection service uses an advanced 256-bit SSL Secure Connection encryption technology to protect your personal information. But like all loan connection services, it sells your information to potential lenders, which could expose it to companies that don’t offer this level of security.

They also have an “Important Notice – Scam Alert!” flagged section on their homepage to warn customers of signs of fraud, writing, “iCashLoans.com NEVER requires a deposit or payment of any kind to connect you with a lender.”

What do other customers have to say about iCashLoans.com?

Nothing good, if anything. iCashLoans.com is not accredited by the BBB and received an F rating, with over 10 customers complaining about problems with the service and advertising/sales issues. Otherwise, we couldn’t find any other reviews one way or another about this loan connection service.

Am I eligible for a loan with iCashLoans.com?

You may be approved for a short-term loan even if you have bad credit or a past bankruptcy. More specific eligibility will vary by lender and state, but to be eligible to apply with iCashLoans.com, you must:

  • Be a US citizen or permanent resident.
  • Be at least 18 years old.
  • Show proof of employment and a regular income of around $1,000 a month after tax deductions.
  • Have a checking account in your own name for funding deposit.
  • Have valid working home and work phone numbers and an email address.

What information do I need to apply?

With iCashLoans.com, you first complete a simple application that calls for your desired loan amount, ZIP code and email address only. After, you’ll be directed to the full application that requires you to enter:

  • Your full name and contact information.
  • Your phone number.
  • Your license or other government-issued ID number.
  • Your bank account information.
  • The name of your employer and contact information.
  • How long you’ve lived at your current address and whether you own or rent.
  • Your military status, if applicable.

If lenders doubt the validity of the information or it’s inconclusive, you may be asked for additional documentation.

I got the loan. Now what?

Make sure you understand your specific lender’s terms and conditions for your loan. Stay on top of your payments to avoid paying stiff late or missed payment penalties. Most lenders will allow you set up autopay.

Bottom line

iCashLoans.com offers the ability to find you funding for your short-term needs from among its network of 100+ lenders. But note that its loans can come with astronomical APRs and harsh penalties if you’re not able to meet the obligations of your loan.

Before you sign any contract, you can compare other short-term lenders available in your area.

Frequently asked questions about iCashLoans.com

Aliyyah Camp

Aliyyah Camp is a publisher for finder.com helping folks compare personal, student, car and business loans. When she's not helping people with their personal finances, you can find her going for runs outdoors.

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