Helping People To Get Payday Loans

What is a Payday loan?

A payday loan is an unsecured, short-term cash loan, which is typically backed by a future source of income. These loans should only be used when truly needed, such as in emergency financial situations. They are not a solution to long-term debt problems. Please be sure you understand the risks of short-term cash loans and please borrow responsibly. Payday loan is a short term loan that helps give you some extra cash when you need it before your payday! The amount is usually between $100 and $1000.

How does Tammy's Cash loan matching service work?

Tammy's Cash is not a lender and does not make credit decisions. It simply connects interested consumers with independent, licensed third party lenders based on the information provided. Begin by completing our simple loan application form. Once submitted, Tammy's cash will try to connect you with an interested third party lender. Every third party lender has their own terms and conditions for payday loans (i.e., fees, repayment terms, renewal policies, APRs, etc.), and each makes approval decisions separately. If matched with an third party lender, be sure to fully understand the lender’s terms and conditions before agreeing to them. If you do not understand or agree to the lender’s terms and conditions, you may refuse the loan offer. If you have any questions or concerns about your payday loan, you should contact your lender directly.

Does Tammy's Cash charge a fee to connect consumers with independent third party lenders?

Registering to be connected with third party lenders at Tammy's Cash is free! Tammy's Cash is not a lender or a broker, there are no fees or interest directly associated with registration. Tammy's Cash is a loan matching service that facilitates your request for access to participating third party lenders who may be able to meet your needs. We do not make cash advances or credit decisions. If you are approved by a lender, the rates and fees associated with your loan will vary from lender to lender.

What are the minimum requirements to apply for a payday loan?

Tammy's Cash is not a lender and does not make credit decisions. Independent lenders have their own minimum requirements which must be met to be approved for a payday loan, and one independent lender's may differ from another’s. Such minimum requirements typically include, but may not be limited to:

·         To have had your current job for at least 90 days

·         Be 18 years of age or older and a citizen or permanent resident of the United States

·         To have a take home pay of at least $1000/month after taxes

·         Have a current home and work phone number and valid email address

·      Not a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or fewer

·      U.S. Citizenship Valid checking or savings account with direct deposit

What amount i can borrow with a payday loan?
You can request a loan amount between $100 and $1,000. The amount you are approved for will be determined by the lender assigned to your loan request. Please note, however, not all lenders offer up to $1,000 and the amount offered by an interested lender may differ from the amount sought. How much you qualify for depends on numerous factors including your lender, income and employment. The fees and APR interest rates you will be charged for the loan are provided to you in a written document by the participating lender after acceptance of your application and before you are requested to digitally sign a loan agreement. You should review carefully before you are asked to sign. If a participating lender does not ultimately extend an application and loan to you, you will incur no cost whatsoever. Always print your loan documents and other paperwork for your records.

How do I get the money?
After your payday loan is approved, the money is electronically deposited directly into your checking account as soon as next business day.

If approved for a payday loan by an independent third party lender, how quickly could I receive it?

An independent third party lender could transfer an approved payday loan to your bank account as early as the next business day. Please note, however, cash transfer times may vary depending on the lender and your individual financial institution.

What information is needed to use the services offered by Tammy's Cash?

You must provide certain personal, employment and banking information to be matched with prospective independent third party lenders. Such information includes, without limitation, name, address, telephone number, email address, social security number, driver's license number, bank account information, and employment information. The information you provide must be accurate. Once submitted, independent lenders may perform a credit check or otherwise verify your social security number or other information.

How long does a cash advance take?

An independent third party lender could transfer an approved payday loan to your bank account as early as the next business day. Please note, however, cash transfer times may vary depending on the lender and your individual financial institution.

How much does it cost?
Using Tammy's Cash is completely free. You can review the offer from a variety of lenders without any kind of fee or obligation. There is no cost until you actually agree to and e-sign a loan contract with your chosen lender. The fees of your loan will vary depending on the amount of your cash advance and the lender. Your lender will notify you of the exact fee for your loan at the time your loan request is submitted. Please borrow responsibly.

When must I repay my payday loan?

Tammy's Cash is not a lender. Each independent third party lender has their own terms and conditions for payday loans, including those concerning repayment. Only your lender can provide you with information about the date and time for repayment as specified in your loan agreement. You should contact your lender directly with any questions, comments or concerns.

If I already have a cash advance loan outstanding, can I still qualify?
Yes, however it depends on the state you are applying from. Some states do not allow more than one payday loan outstanding, and lenders will check third party bureaus to see if you have an outstanding loan.

How and when do I repay the loan?
The loan amount and loan fees are withdrawn from your checking account automatically on the due date of your loan. You can also request an extension if you need it by contacting your lender before the due date. Additional fees do apply to loan extensions.

What if I’m late in repaying my loan?

The payday loan lenders in our network follow different policies regarding late payments. You should review and understand the late-payment policy specified in the lender’s loan documents before appending your e-signature, as this constitutes a legal obligation to repay the loan. State laws regarding late-payment fees determine how much lenders can charge a delinquent borrower in penalties.

Is the information I provide secure?

Tammy's Cash respects your privacy. Accordingly, a variety of security measures are employed to maintain the integrity of your private information. All sensitive data transmitted between your browser and uses 128 bit Secure Socket Layer (SSL) encryption technology. Your use of our services is strictly voluntary and is governed by our Terms & Conditions of Use and Privacy Policy.

Can I get an extension on repaying my loan? If so, how many times?
State law determines if your lender may grant a loan extension, also known as a “rollover.” Some states allow multiple rollovers, while others forbid the practice entirely. Your lender will deal directly with any questions you have about extensions. It is important to contact your lender with extension requests before the due date on your loan. If you are late, a lender may charge additional fees and request immediate payment on the remaining balance. In the case of non-payment (loan default), you also may be subject to additional fees as described in the loan agreement, or allowed by law.

What if I can’t repay my loan at all?
We recommend that you contact your individual lender about repayment problems of any kind in order to find a solution directly with them. Additional fees and penalties may apply if you do not repay your loan.

Will independent third party lenders perform a credit check and what are the credit implications?

We and our participating lenders may verify your social security number, driver's license number, national ID or any other state or federal identification and review your information against national databases, including, without limitation, Equifax, Transunion and Experian to determine credit worthiness and standing. Service providers or participating lenders will typically not perform credit checks with the three major credit reporting bureaus and may utilize specialized credit bureaus, in certain circumstances. If credit checks are run via the three major reporting bureaus, please know that multiple inquiries on the three national databases can result in a lowered credit score. By submitting your information on this website, you agree to allow participating lenders to verify your information and check your credit.

What should I ask my lender about renewal?

Participating lenders may have their own individual renewal policies, some of which may be automatic. Be sure to inquire whether your lender automatically renews loans or requires your permission to renew the loan. Understand that extending the repayment period for a loan may result in additional interest and fees that can significantly increase that total amount you are obligated to repay. Know your state's loan renewal policies and review the lender's terms before agreeing.

What are the implications of late payments and non-payment?

Each lender has its own criteria, including, without limitation, additional fees, interest and collection costs. Be sure to inquire with your lender regarding late payments and/or non-payments, and otherwise read all of the loan terms, before you sign a loan agreement.

Is approval guaranteed?

There is no guarantee that you will be accepted by one of our participating lenders.

What if I am unable to repay my payday loan according to its terms?

If you cannot repay your payday loan according to its terms, your lender may:

Charge you late fees
Send your account to a collection agency
Report your information to a consumer reporting agency (which may negatively affect your credit score)
Offer to renew, extend or refinance your loan (which may cause you to incur additional fees, charges and interest)
Tammy's Cash is not a lender. Only your lender can provide you with information about your specific loan terms and the implications of non-payment of your loan. Ask your lender about its policies for non-payment.


Ray Of Hope - Tammy's Cash Loans

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APR Disclosure. Some states have laws limiting the APR that a lender can charge you. APRs range from 200% and 1386%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000. Not all lenders can provide up to $1,000 and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to utilize this website or service. The states serviced by this website may change from time to time, without notice.

Credit Implications. Independent, participating lenders may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit.

Professional Advice. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans.