FAQs
People get cash advance to help with home repairs, unexpected expenses, holiday shopping, bills, and more. Such a loan from one of our lenders can help you get the cash you need! Once you fill out our form online, if approved, you can receive the money as fast as next business day.
You can submit a request for a short-term loan if you meet these basic criteria:
- Are employed, receive regular income
- Earn at least $800 a month
- Have a checking account
- Are 18 years of age or older
- Are a US citizen
LOANoSPHERE does NOT charge the consumers any fees and there is NO fee to fill the application online. If approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your acceptance of the loan. LOANoSPHERE is not a lender and cannot predict the exact fees and interest of the loan option presented to you. You are under NO OBLIGATION to accept the terms presented to you by the lender.
While approval for a short-term cash advance can be fast, usually within minutes, you are not likely to be able to get money until next business day. If you are approved for a loan by one of the lenders in our network, you can receive the money for your emergency in as little as 1 business day and resolve your short term cash problem in no time!
In transmitting your personal data to our lender network we ensure the highest safety of your personal information. Using SSL encryption your personal data is scrambled in route to our servers, and decrypted once it arrives at LOANoSPHERE.
Entering your information on LOANoSPHERE is easy and private. From the comfort of your home desktop, laptop, smart phone, or tablet computer you can complete the entire process without going into a store and waiting in embarrassing lines.
LOANoSPHERE is not a bank, financial institution, or lender. We do not make credit decisions or short term cash loans. Moreover, the owner/operator of this website is not a broker, agent, or representative of any lender. LOANoSPHERE works as a connection to a network of fast cash lenders. If you require details on your loan or have questions/concerns regarding your cash advance, contact your lender directly. They will be able to assist you. In addition, information about your loan and your lender should be included in your approval email, bank statement, or via contacting your bank/credit union directly.
Your loan limit is usually determined by state law. Beyond state law, the lender will base your loan on your salary and ability to pay the loan back. You will not receive more than can be reasonably expected to be paid back. The maximum amount for loans tends to be $2,000.
