GetCashNow.net Review: A Free Referral Service to Online Payday Loan Providers
- 1 What is GetCashNow.net?
- 2 Technical Characteristics of GetCashNow.net
- 3 Is GetCashNow.net Legit?
- 4 GetCashNow.net Reviews
- 5 Customer Support
- 6 Conclusion
What is GetCashNow.net?
GetCashNow.net is not a lender and does not provide any loans directly to its clients. Instead, it’s a free online service that connects consumers with lenders providing payday loans with affordable rates. They encourage people to use this referral service instead of visiting numerous websites and filling out several applications. With this service, you can find the best lender for your needs and get emergency cash immediately in a secure way.
|Loan types||Min.amount||Max.amount||Period||APR||Documents||Bad credit|
|Payday loans||$100||$1000||30 days||Varies by lender||Social Security number, Driver License No.||Yes|
Types of GetCashNow Loans
Using this referral service, you can get short-term payday loans. This type of loans was created with an idea of helping people get extra money prior to their payday. The amount of instant loans ranges between $100 and $1000. Customers can use the cash for any emergency needs, including utility bills, car repair, medical bills, purchase of the desired goods, a vacation, and so on.
After your loan application has been approved, you can get the money directly deposited into your checking account. The speed of transfer depends on what time of the day you fill out an application but some lenders from the network of GetCashNow.net may transfer the funds the same day. If the cash is not deposited the same day, it will be in your account the next business day.
GetCashNow.net is a referral service which matches you with lenders who are ready to provide you with payday loans between $100 and $1,000. The available amount is determined by the lender based on the personal information you provided. These short-term loans have no hidden fees and you can always review the loan terms and rates before signing an agreement. The company recommends that you borrow only the amount of money you need and can pay off within 30 days. If you request more money than you need, you may have difficulty repaying the loan and interest on time.
The services offered by this website are free. GetCashNow is not a lender and does not possess any loan details. The terms of your loan contract will be specified on the lender’s website you are matched with. The loan contract will state the amount of money borrowed, interest rate, loan term, extension options, and any additional fees. These terms vary from lender to lender so you need to carefully read and understand the contract before signing it. When you receive the loan contract, you do not yet have any obligations. However, after signing the document, you accept its terms and rates and agree to pay off the loan and an interest on the specified due date. If you have any questions about any loan details, you need to contact your lender for clarification.
To qualify for a payday loan, you must:
- be a legal resident of U.S.
- be 18-years-old or older;
- have a phone number and email address;
- have a social security number;
- have an open checking account in your name;
- earn $800 per month or more.
The company guarantees an easy and secure 3-step application process: you only need to fill in the request form, get an approval from the lender, get the funds transferred to your banking account:
During application, you only need to provide basic information such as your name, phone number, email, checking account number, SSN, income information, and some more. As soon as you complete a request form and submit it, an application is complete, GetCashNow.net will attempt to connect you with a suitable lender from the network of legit lenders.
They did not mention whether the lender requires to fax any documents to verify a borrower’s identity and income. Obviously, you do not have to have a fax or printer at home, however, I think, this policy may vary from lender to lender.
Loan repayment details vary from lender to lender. Most lenders prefer to have the payments automatically deducted from client’s banking account on the due date, which usually does not exceed 30 days. They mention that you can repay a loan in full early, until the specified date.
Each lender from the network of GetCashNow has its own fees and penalties for late payment or missed payment – these details will also be specified in the loan contract.
If you fail with the loan repayment, the lender can use legal methods to collect the debt. If you feel that you will not be able to make a payment on the due date, you should contact your lender as soon as possible to discuss an alternative payment plan.
Since the referral service works with various lenders, I advise you to confirm repayment details before signing documents.
Some states allow loan extensions so it depends upon your location whether you qualify for a “rollover” or not. If your state allows extensions, you will need to reach your lender to discuss the details. You should also contact your lender if you are not sure whether you qualify for an extension or not. Contacting your lender on time will help avoid any additional fees or penalties.
The company mentions that you can still qualify for a new loan even if you already have a payday loan, however, it also depends on the state you are living in.
Once you have cleared your debt, you can apply for another loan after 3 days. However, this information should be specified by the lender.
GetCashNow.net Bad Credit
According to the website, you can be approved for a loan even if you have a poor credit or no credit at all. You can also qualify if you have bounced checks, charge-offs or bankruptcy.
Technical Characteristics of GetCashNow.net
GetCashNow.net protects customers’ sensitive information by a 256 bit SSL encrypted network, which meets industry security standards. This means that all your information submitted is encrypted during transactions, and hackers will not be able to steal it.
I conclude that this GetCashNow.net is safe in terms of encryption.
According to statistics, every third site visitor uses a mobile device. This is understandable – if a person is looking for where to get a payday loan online, it is much more convenient for him to use a gadget that is always at hand. If a site does not open from a mobile device, slows down or looks indigestible, it risks losing one-third of its customers. To date, mobile layout is missing only in the oldest sites. Fortunately, GetCashNow.net has a mobile version:
This version is convenient, both for the user and for the developer, adapts for screens of various sizes, includes all the necessary interface elements for viewing on various devices, allows you to fully and effectively use the capabilities of the site on all devices. Besides, the mobile version is loading faster and you can always switch to the full version of the site.
Websites connecting users with potential lenders must be 100% secure. All large and trusted sites use antivirus in order to protect users’ information and computers from dangerous viruses, malware, Trojans, and hackers. Regretfully, GetCashNow.net does not have an antivirus program. This is a serious drawback which must be fixed.
The Convenience of Using GetCashNow.net
The referral service guarantees an easy and fast application process. Applicants only need to fill out an online form at GetCashNow.net and then wait a bit as the matching service connects them with a right lender who is suitable for their financial needs. To start the process, you need to simply click on the APPLY NOW button on the front page. This will take you to the full application form.
This application takes 3-4 minutes to fill out. You only need to answer basic questions about you, your work, and banking account:
Once you’ve completed the application process and the lender approved your request, you can get the funds directly from your bank account. The referral service does not charge any fees for connecting you to a lender.
After you are connected to a lender, you may review the interest rates, fees and repayment terms of your loan. If you agree to accept the offer, you will need to e-sign the contract, and shortly after that, you will receive the requested money.
Besides, I like that they have a loan calculator which help to figure out approximate loan rates. For this, you need to select the desired amount you wish to borrow and for how long you want to take it.
In addition, the website offers to read informative articles about loans and financial tips and tricks. These articles can help consumers manage their budget and get useful knowledge about lending.
Is GetCashNow.net Legit?
ScamAdviser gave GetCashNow.net a trust rating of 88% out of 100% and said it looks safe to use:
The analysis revealed that the domain age was impressive – almost 15 years. The website is located in the United States and loading very fast. However, the website’s owner country is hidden and popularity is low. ScamAdviser recommends you to specify the website’s owner before using its services.
I expected to find user reviews on the own website of the company but they do not have a testimonial page where you can leave your feedback. So it’s not clear whether this service is reliable or not. Of course, this website is only an intermediate between potential borrowers and lending companies but there must be a possibility of sharing your personal experience with GetCashNow on their native website. I recommend the site’s owner to pay attention to this issue.
Reviews on Third-Party Websites
Unfortunately, I was not able to find GetCashNow.net reviews from former clients on the web. That may mean that the website is not popular. It seems strange that the referral service has not received a single feedback during 14 years. Regretfully. The company’s real performance and reputation remained unknown.
Regretfully, there are no contact details available on GetCashNow website. Obviously, the website’s owner did not think it was necessary to provide contact information for a referral service and that the lender’s details are much more important. However, as practice shows, clients may have questions or concerns regarding the very matching service so it would be nice to see GetCashNow.net phone number or email on the Contact Us page. People prefer to use transparent websites that have nothing to hide.
The footnote at the bottom of the page states that payday loans are not available in all states and they may change without notice. No exact states were mentioned. I know that some other referral services not only mention a list of states where they operate but also have a detailed description of loan rates and fees for each state. It would be much more convenient if I had found a list of locations where you can be approved for a short-term loan through GetCashNow.net.
Getting a Consultation
If you have any questions related to a loan agreement, application status, extensions and so on, you need to contact your lender directly. His contact information will be provided on the lender’s website. However, if you have questions or concerns about GetCashNow services, you can fill out a contact form on the Contact Us page. This is the only way of contacting the company’s representative. They promise to reply in the shortest possible time.
I was interested in GetCashNow.net locations and decided to send this question to their team. Regretfully, I was not even able to submit my question. They informed me that the message was not sent because “the CAPTCHA wasn’t entered correctly”. The thing is that there was no.CAPTCHA anywhere on the page and it must have been a technical error. I tried to reload the page for several times but it was all in vain. I conclude that there is NOT a single way to reach the customer care department of this referral service.
GetCashNow.net seems to be a convenient referral service connecting potential borrowers with trusted lenders. The only advantage of using this website is that you can only fill out one single application form instead of having to visit different online lending companies. I am very concerned about the website’s reputation because it has no customer reviews on the web. Scamadviser, however, says this company is safe to use. Besides, there is no way to contact the company’s representative and the loan amounts are very limited. There are much more reliable online services you can use to find the best payday loan online.