Q: How do I get the money?
A: Overnight funding is done by ACH. "Cash" is electronically deposited into
your bank account.
Q: Is funding
available in all areas.
No. This service does not constitute an offer or solicitation for short term
loans in all states. This service may or may not be available in your
particular state. The states this site services may change from time to time
without notice. Fast Cash Online, Inc. is regulated by the State of Utah.
Q: What about credit
checks?
Our processor does not check the major credit bureaus. They do, however, check
Teletrack (Teletrack is a reporting service for sub prime lenders, rent-to-own, payday advances, cash for title
auto lending, etc.). You may obtain a free copy of your information with
Teletrack. If you are denied credit because of information obtained from
Teletrack, you have a right to a free copy of your report from Teletrack
within 60 days. You may also dispute the information furnished by
Teletrack. Be aware that Teletrack did not make the decision to take the
denial or adverse action and is unable to provide you with the specific
reasons why the adverse action was taken. You make contact Teletrack at:
Teletrack, Inc.,
Suite 800, 155 Technology Parkway, Norcross, Georgia 30092
E-mail address is:
webinfo@Teletrack.com
. The telephone numbers are:
phone: 770.449.8809,
toll free: 800.729.6981 and the fax is: 770.449.6647. If you e-mail them
DON'T include any personal information (like your Social Security Number) in
the e-mail. You are much better off security wise calling them.
Q: Are there any
up-front , processing or application fees?
No !
Q: How much do these
loans cost (fees)?
$25 per $100 borrowed not to exceed two weeks with the A.P.R. ranging from 304.17% to
1303.57%. Click here for Fee Schedule. For
example: $100 borrowed not to exceed 14 days would cost you $25 which has a APR of
651.79%. The Annual Percentage Rate ranges from 536.76% to 5475.00%
depending on the term of the loan, but you pay $25.00 per hundred borrowed
since it is such a short-term loan.
Q: Do you need direct
deposit?
No.
Q: Can I extend the
time for the repayment of my loan?
Yes. You can extend your payment for up to 4 times (12 weeks) upon our approval.
Q: What if I payoff
early, is there a pre-payment penalty?
No.
How do I pay off early?
If you want to payoff
early, we will prorate the loan to the number of days you had the funds. Also
we will rebate interest in case of overpayment. If you want to pay off early,
just give us a call and we will calculate the new fee and ACH your bank
account for the reduced pre-payment amount.
Q: Can I rescind my
loan?
A: Yes, if you return the loan amount before 5 PM the following business
day. Just call us if you wish to rescind and we will handle it.
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