Frequently Asked Questions

Q: What is a Short-Term Loan?

A: A Short-Term Loan is small dollar loan (sometimes called a payday or deferred deposit loan) usually between $100-$1000 (depending on income and state laws) that is designed to help you pay for immediate expenses until your next payday. The loan balance is usually repaid on your next payday.


Q: What is an Installment Loan?

A: An Installment Loan is a multi-payment loan which allows you to repay the loan in scheduled equal payment amounts (the last payment may vary slightly). The number of installment payments that your loan is repayable in depends on the frequency of your income.


Q: How do I apply?

A: If you are a new customer please go to the Apply page and fill out our online application. After you press submit you will be notified within a few seconds if your application has been pre-approved. If you are a returning customer, visit here to take advantage of our quick application.


Q: How much can I borrow?

A: Approval amounts are determined by the information provided on your application, state restrictions, underwriting and income.


Q: Do you check my credit?

A: Yes, but we do not use the traditional credit bureaus. We run credit checks using specialized credit bureaus. Your credit scores will not be affected nor will our inquiry show up on your credit history with those bureaus. Instead we rely on various consumer databases to verify your identity and review your past short-term loan history (aka underwriting). For more information, please visit or contact one of our locations.


Q: When will the payments be due?

A: Generally, your loan payments will be scheduled to occur on each of your paydays. A payment schedule will be provided on your loan agreement.


Q: Can I extend my Loan?

A: Depending on your state, you may be eligible to extend or refinance your Short-Term Loan. Extensions are not applicable to Installment Loans.

  • California Residents – You may not extend your Short-Term Loan.
  • Nevada Residents – If you qualify, we may allow you to extend this Short-Term Loan up to four times as long as the total number of days from your first origination date and all your renewals are not over 90 days. Extensions are not applicable to Nevada Installment Loans.
  • Ohio Residents – Extensions are not applicable to Installment Loans.
  • Texas Residents – If you qualify, your third party lender may allow you to refinance your Short-Term Loan.
  • Utah Residents – If you qualify, we may allow you to extend this Short-Term Loan up to four times as long as the total number of days from your first origination date and all your renewals are not over 70 days.

Q: When will I receive the funds from my Payday or Installment Loan?

A: If all information is received by 4:30 p.m. PST and can be verified, you will generally receive your money on the next business day. In some cases, same day funding may be available. Please ask one of our friendly representatives.


Q: How will I know if I'm approved?

A: Within seconds of submitting your application, you will receive a notice indicating if you have been pre-approved for a loan. If you do not receive this message, please contact us. Shortly thereafter you will also get a call from one of our friendly representatives to verify and finalize your loan application.


Q: How much does it cost?

A: Each state regulates the fees and interest that can be charged by Cash Factory USA or third-party lenders (for Ohio and Texas residents). You can visit our Rates page for a loan cost and payment schedule example specific to your state.


Q: How long is my loan term?

  • California Residents – Your loan term cannot exceed 31 days.
  • Nevada Residents – Your loan term cannot exceed 35 days.
  • Ohio Residents – Your loan term cannot exceed 180 days.
  • Texas Residents – Your loan term cannot exceed 38 days.
  • Utah Residents – Your loan term cannot exceed 35 days.

Q: Once paid off, when can I get another Loan?

A: Subject to approval, you may receive another loan once your existing loan is paid in full. If you borrow within three (3) business days or less from the date you paid off your loan, we will ask you to prove that your previous loan was paid in full by providing us with a bank statement showing proof of a "non-pending" payment clearing your bank account.

  • Utah Residents – You must wait one (1) business day once your Short-Term Loan is paid in full.

Q: May I cancel this Loan if I decide against it?

A: A borrower may rescind without cost for any reason. The request to cancel must be in writing. Please review your loan agreement for specific instructions.

  • Texas Residents - You may rescind future payment obligations without cost or finance charges, no later than midnight, Central time, of the third day immediately following the date on which the loan agreement is executed.
  • Nevada and California Residents – You may cancel and avoid paying the Finance Charge and any other fees by returning the loan amount at any time before 5:00 PM Pacific Time of the business day following the date on which the loan agreement is executed.
  • Utah Residents – You may cancel and avoid paying the Finance Charge and any other fees by returning the loan amount at any time before 5:00 PM Mountain Time of the business day following the date on which the loan agreement is executed.
  • Ohio Residents - You may cancel or rescind the loan agreement without any penalty or obligation within 3 business days after the loan agreement is signed.

Q: Can I pay my Short-Term or Installment Loan off early?

A: Yes, you may pay your loan off early without any pre-payment penalty or fee.


Q: What if I am late or don't pay my Loan?

A: Late payment or non-payment of your loan could result in additional fees or collection actions or both. Cash Factory USA will work with you to establish payment arrangements. We are committed to collecting past due accounts in a professional, fair and lawful manner.


Q: If I reside in a state where extensions are allowed on a Short-Term Loan, when I request to extend my Short-Term Loan, do I need to sign the Short-Term Loan agreement again?

A: Yes, you are required to sign or e-sign the new Short-Term Loan agreement by 4:30 PM PST the day before your due date. If you do not sign the FULL amount due will be deducted from your bank account on or after your due date. You will need to sign or e-sign before we can process your extension payment.


Q: How do I log in to my account if I'm a current customer?

A: To do this just click on Member Area at the top right corner of our website www.cashfactoryusa.com.


Q: How do I change my password?

A: If you have forgotten your password, you can request a password reset either by following the instructions on our website or by calling 1-855-374-5626 to request a password reset. Ohio customers, please call 1-855-562-6033. If you can log into your account on our website then you can change your password by logging in and then clicking on "Change Password."


Q: How do I change my bank information?

A: Please contact customer service at 1-855-374-5626. Ohio customers please call 1-855-562-6033.


Q: What is an Automated Clearing House (“ACH”) payment?

A: An ACH payment is an electronic debit from your bank account to make your payment of interest, principal or both on your Short-Term Loan or installment loan. The Automated Clearing House is an electronic network for financial transactions in the United States.


Q: Where are you located?

A: Cash Factory USA is located in Las Vegas, Nevada. 6965 S. Rainbow Blvd Suite 130 Las Vegas, NV 89118.


Q: What are your business hours?

A: Cash Factory USA's Call Center Hours of Operations:

  • Monday-Friday: 5AM to 7PM PST
  • Saturday: 5AM to 6PM PST
  • Sunday: 5AM to 6PM PST

Phone: 855-374-5626

Email: support@cashfactoryusa.com

Fax: 888-400-7552

Ohio Customers please call: 1-855-562-6033 or Email: support@ohioservicing.com


Q: Does Cash Factory USA abide by industry Best Practices?

A: Cash Factory USA is a member of the Community Financial Services Association of America (CFSA). Cash Factory USA actively supports laws, regulations and industry best practices that protect consumers and preserver access to credit.


Q: What is a Credit Services Organization (CSO) and Credit Access Business (CAB)?

A: A Credit Services Organization (“CSO”) and/or Credit Access Business (“CAB”) are licensed companies that earn compensation by, among other things, helping consumers obtain loans from unaffiliated third-party lenders. CSO’s and CAB’s are not lenders and do not make loans. Cash Factory USA is a licensed CSO in Ohio and Texas and a licensed CAB in Texas that helps consumers obtain loans from unaffiliated third-party lenders.

List of states where Cash Factory USA is the lender:

  • California
  • Nevada
  • Utah

List of states where Cash Factory USA is a CSO and or a CAB:

  • Ohio
  • Texas