Apply for Short Term Cash Loans with our Secure and Confidential Application!

Short term cash loans aren’t difficult to find on the Internet and every day more people are making use of them. Cash loans are the perfect answer to many immediate financial problems, but just how easy is it to get approval? Some people think having a spotless credit history is a must, but that is not true at all.

The application process

Applying for short term cash loans is not a difficult task, and if you have a few details to hand, the application process can be completed within minutes. The main information you need to provide includes:

• Your name, age (you need to be 18 for most lenders but 21 for some), permanent address, telephone number and maybe an email address,

• Details of your employment and income – in most cases you need to have been in the same job for a minimum of 90 days to secure a loan approval.

The application form here at www.unitedfinances.com is quick and easy to fill in, and you only have to do it once. We send it through to the lenders on our panel that we think are most likely to approve your loan request and in the vast majority of cases approval is secured within a few hours of the application.

But is a loan approval guaranteed?

Unfortunately nothing is guaranteed in the world, but the success rate we have in matching borrowers with lenders is very high. What’s more, the lenders we work with often accept customer applications even if they :

• Have bad credit or a low FICO score,

• Have an unspecified intended purpose of your cash loans,

• Already have credit in other areas e.g. credit cards, bank loans, store cards, car finance etc.,

• Are not a homeowner.

The decision regarding your application for a short term loan is based purely on the information you provide – there is no need to worry if you have a less than perfect credit history, a lot of customers do and they still qualify.

So in answer to the question above, short term cash loans are easy to apply for and providing you satisfy the application criteria i.e. you have a regular income, a permanent address and you’re 18 years or older, there is no reason why you can’t get approval. And what’s more, the assessment of your application normally takes just a few hours so there is very little waiting around for a decision to be made. 

Loan Costs and APR Transparency

At UnitedFinances, we are committed to full transparency regarding loan costs. Before taking a short-term loan, it's essential to understand the Annual Percentage Rate (APR) and any associated fees. Ensure that you review these details to avoid unexpected costs.

Repayment Terms & Flexibility

Short-term loans often have strict repayment schedules. UnitedFinances encourages borrowers to review repayment terms and inquire about flexible payment options. In cases of financial difficulty, lenders may offer extensions or restructuring options.

Financial Counseling and Advice

If you're facing ongoing financial challenges, consider seeking financial counseling. UnitedFinances offers resources to help borrowers manage their debt effectively and avoid future financial difficulties.

Eligibility Criteria

To qualify for a short-term cash loan, borrowers must meet specific requirements, including being at least 18 years old, having a stable source of income, and a valid bank account.

Borrower Protections

UnitedFinances works with lenders that follow responsible lending practices, ensuring fair treatment of borrowers. In case of financial hardship, borrowers can explore options such as deferment or repayment adjustments.

Alternative Loan Options

While short-term loans offer quick cash, alternatives such as personal loans or credit cards may provide more favorable terms depending on your financial situation.