YourCashToday
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YOUR QUESTIONS, OUR ANSWERS

 

Lenders in our marketing network only provide credit to residents in the following states: Kansas, Idaho, Virginia, Utah, Missouri, Tennessee.

 

 

  • Q. Who is YourCashToday.com?
  • YourCashToday is an aggregator who will help you find a lender for your financial needs.

     

  • Q. Who will receive my information?
  • Lenders in your state of residence who have been reviewed and approved by YourCashToday.

     

  • Q. Do I qualify for a Line of Credit?
  • To qualify for a Line of Credit you must fulfill all of the following conditions. Please note that we currently do not offer credit products with rates that allow us to lend to active members of the US Armed Forces and their dependents.

    • Be 18 years of age or older
    • Be a US citizen or Permanent Resident
    • Have an active bank account
    • Have a regular source of income
    • Have a valid contact number and an active email address

     

  • Q. How does a Line of Credit work?
  • A Line of Credit provides you with the benefits of a traditional instalment loan, but allows you to have more control over your cash flow and payment options. You can typically borrow any amount up to your available credit limit. When you pay down the principal of your Line of Credit, you can typically continue to access the remaining credit available up to your credit limit.

     

    The Line of Credit is an open-ended loan meaning that the account remains active even after you have paid down to a zero balance. This means you have the convenience of being able to access the credit available to you in the account without needing to submit a new loan application.

     

  • Q.What is my credit limit?
  • Your credit limit is the amount of cash that you have available to access. Credit limit amounts for lenders in our marketing network typically range from $100 to $4,000.

     

  • Q.Will the lender call my references?
  • Some lenders may call your references to obtain location information when they are unable to contact you.. A lender should never disclose the nature of your business with that lender to your references or employers.

     

  • Q.Are credit checks done?
  • Lenders in our network typically do not perform credit checks with the three (3) national credit reporting agencies. However, the lender may verify your information from third-party sources and check your credit from other credit reporting agencies.

     

  • Q.Do I need to fax or email in any documents?
  • With most lenders you will not need to fax or email any documents; however if we require additional information which we are unable to verify over the phone, we may ask that you send us documentation either via fax or email or upload thorough our website.

     

  • Q.When do I receive my Line of Credit?
  • If your Line of Credit is approved before 7:30 PM EST from Monday through Friday, the funds will be available in your bank account the following business day. If your Line of Credit is approved before 6:30 PM EST on Saturday or a Sunday, the funds will be available on the following Tuesday.

     

  • Q.How do I pay down my Line of Credit?
  • You will be required to make regular Minimum Payments which include interest and fees and may include a principal payment. If you receive your income on a weekly, bi-weekly or semi-monthly basis, your Minimum Payment includes a 5% contribution toward your Outstanding Principal Balance. If you receive your income on a monthly basis, your Minimum Payment includes a 10% contribution toward your Outstanding Principal Balance. In other words, if you only make your Minimum Payment, have no Amount Past Due, and do not make any additional draws between now and your Due Date, your Outstanding Principal Balance will be reduced by 5% or 10%, depending on your income frequency. Please refer to the Rates & Terms page for more information. Your Cash Today encourages you to make additional payments over and above your Minimum Payment in order to pay down your principal balance thereby reducing your principal balance owing, increasing your available credit and decreasing your interest charges.

     

  • Q.How do I check my balance?
  • Your periodic statements we send you will include your balance. You can also check your balance by calling one of our Customer Care agents at (855)-579-9298 or log in to your online account.

     

  • Q.How do I update my information? (Change in email address, mailing address, employment or banking information)
  • You can update your account information by calling (855)-579-9298 and speaking with one of our Customer Care agents, who will be happy to update your information for you.

     

  • Q.Why am I not receiving emails from Your Cash Today?
  • Your Cash Today sends important emails regarding payment reminders, confirmations and promotions. To make sure you receive these emails please add customercare@yourcashtoday.com to your address book. If our emails are not making it into your inbox, please check your spam folder.

     

  • Q.Additional Questions
  • If you have any additional questions, please contact us at (855)-579-9298 or chat online, and one of our Customer Care agents will be happy to answer any questions you may have.