Frequently Asked Questions

What is a Short-Term Loan?

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 or emergency expenses. The loan balance is usually repaid on your next payday. Please note, these types of loans should only be used for short-term financial needs, not as a long-term solution to financial problems.

What is an Installment Loan?

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 required to repay your loan depends on the frequency of your income (for example, bi-weekly, monthly). Please note, these types of loans should only be used for short-term financial needs, not as a long-term solution to financial problems.

How do I apply?

If you are a new customer, you will need to click here and fill out our online application. You will be notified within a few seconds if your application has been pre-approved after you submit your information for review. If you are a returning customer, please click here to take advantage of our quick application.

How much can I borrow?

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

Do you check my credit?

Yes, but we do not use traditional credit bureau reports. We only run credit checks using specialized credit bureaus, so your credit scores will not be affected, nor will our inquiry show up on your credit history with the traditional credit reporting agencies. Instead, we utilize various consumer databases to verify your identity and review your past short-term loan history.

When will the payments be due?

Generally, your loan payments will be scheduled to occur on when you are paid. You will have an opportunity to review your payment schedule prior to finalizing your Loan Agreement with us.

Can I extend my Loan?

Depending on your state, you may be eligible to extend or refinance your Short-Term Loan. Please note that extensions are not applicable to Installment Loans.

  • California Residents – You may not extend your Short-Term Loan.
  • Missouri Residents – Extensions are not applicable to Installment Loans.
  • 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.
  • Texas Residents – If you qualify, your third-party lender may allow you to refinance your Short-Term Loan.

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

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 if you have any questions regarding the timing of when your loan will be funded.

How will I know if I'm pre-approved?

Within seconds of submitting your application, you will receive a notice indicating whether you have been pre-approved for a loan.

How much does it cost?

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

How long is my loan term?

  • California Residents – Your loan term cannot exceed 31 days.
  • Missouri Residents – Your loan term must be longer than 120 days and cannot exceed 180 days.
  • Nevada Residents – Your Short-Term Loan term cannot exceed 35 days; Your Installment Loan term cannot exceed 90 days.
  • Texas Residents – Your loan term cannot exceed 45 days.
  • Wisconsin Residents – Your loan term must be longer than 120 days and cannot exceed 180 days.

When can I get another Loan?

Subject to approval, you may receive another loan once your existing loan is paid in full. If you seek another loan within three (3) business days or less from the date you paid off your previous loan, we are required to confirm that your previous loan was paid in full, which may be completed by providing us with a bank statement showing proof of a cleared payment.

May I cancel this Loan?

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

  • California and Nevada 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.
  • Missouri Residents - You may cancel or rescind the loan agreement, with no additional charges and at no cost, by returning the loan amount at any time before 5pm Pacific Time of the business day following the date the loan agreement is executed.
  • 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.

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

Yes, you may pay your loan off early without any pre-payment penalty or fee. Additional terms may apply to prepayment(s) of your loan depending on which state you live in. Please see your Loan Agreement for additional details regarding your specific prepayment options.

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

Late payment or non-payment of your loan could result in additional fees or collection activity or both. However, Cash Factory USA is committed to working with you to establish payment arrangements to meet your budget. All of our collection activity is conducted in a professional, fair and lawful manner.

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?

Yes, you are required to sign a new Short-Term Loan agreement by 4:30 PM PST the day before your due date. If you do not sign the new Loan Agreement, the FULL amount due will be deducted from your bank account in accordance with the Loan Agreement on file with us. A new Loan Agreement will need to be signed before we can process your extension payment.

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

To do this, just click on "Login" at the top right corner of our website:

How do I change my password?

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. If you are able to log into your account on our website, you can change your password yourself by logging in and clicking on "Change Password".

How do I change my bank information?

To change your bank account information, please contact customer service at 1-855-374-5626.

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

The Automated Clearing House (“ACH”) is an electronic network for financial transactions in the United States. An ACH payment is an electronic debit you authorize Cash Factory USA to withdraw from your bank account to make your payment of interest, principal or both on your loan.

Where are you located?

Cash Factory USA is located in Las Vegas, Nevada. You may visit our Storefront location at 6965 S. Rainbow Blvd Suite 130 Las Vegas, NV 89118.

What are your business hours?

Cash Factory USA's Call Center Hours of Operations are Monday-Friday: 6AM to 7PM PST; Saturday-Sunday: 6AM to 6PM PST. Our phone number is 855-374-5626; to reach support representatives, please email :; and to fax us any inquiry you may have, please use our fax number: 888-400-7552.

Does Cash Factory USA abide by industry Best Practices?

Cash Factory USA actively supports laws, regulations and industry best practices that protect consumers and preserver access to credit. Cash Factory USA is also a member of the Community Financial Services Association of America (CFSA), which requires all members to be state licensed and adhere to CFSA’s industry-leading best practices. For more information about CFSA, please visit:

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

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. CSOs and CABs are not lenders and do not make loans.