Frequently Asked Questions

• What is a cash advance (short-term loan)?

  A cash advance is an unsecured, short-term cash loan that helps cover unexpected expenses between pay periods while avoiding costly overdraft, bounced check, and late payment fees.

  Apply online for a Cash Kingdom short-term loan.

• What if my credit isn’t perfect?

  Not a problem! We offer short-term loans for people with many types of credit scores. Unlike standard banks, which are only able to lend to people with top-tier credit, a credit score does not have an impact on a Cash Kingdom short-term loan or signature loan.

  Although we want to help absolutely everyone who applies, and we do our very best to find a method to help you when possible, there are some circumstances that might prevent us from being able to approve a short-term loan.

• Can I borrow money for a short time?

  Yes! Short-term loans are our specialty, and we only charge interest for the amount of time you need to have the money!

• Are there any up-front fees?

  No! Unlike a payday loan where you would pay the same up-front fee whether you need the loan for a week or a month, Cash Kingdom never charges any up-front fees!

• Will you run a credit check?

  Yes. We need to ensure that we are lending responsibly and protecting all parties, but we don’t require a perfect credit score to approve a signature loan or short-term loan.

• Can I come into a store, or is it all online?

  You can apply online, or come into the store.

• Do I need a checking account?

  You need a checking account to get a Cash Kingdom loan!

• Do you require checks to hold for security on my loan?

  No, we don’t. Unlike traditional payday lenders, Cash Kingdom doesn’t hold checks or require collateral for you to get a loan.

• Is there a limit to how much I can borrow?

  Every customer and situation is different, and the actual amount that we can lend can’t be determined until we fully process your loan application, but we do our best to get you the amount that you request.

• Will my credit line ever increase?

  It’s definitely possible! As your income improves or as you develop a good payment history, your credit line may increase. A good payment history might also affect your score with credit bureaus, making a short-term loan beneficial in multiple ways.

• How frequently can I request a short-term loan?

  Though we are happy to help any time you need financial support between pay periods, it’s important that our customers use the short-term loan or signature loan responsibly. A signature loan is a short-term solution to an immediate cash need, and it should not be seen as an alternative to proper budgeting or used specifically to increase your credit score.

• How competitive are your interest rates?

  Cash Kingdom offers a highly competitive interest rate. We comply with all state and federal laws and guarantee to beat the rate of any payday loan company in your area.

• Will I need to fill out a new application every time I take out a loan?

  No. If you have taken out a loan with us within the last 12 months, just provide your most recent paycheck stub and we can process a new cash advance for you in minutes!