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How Cash Loans Online Work?
Finding your Loan
Our next-gen technology will process your loan request by connecting and locating a loan for you.
Get the Money you need....
Once you are approved, you will be directed to your approved lender to finish the loan process.
Why Cash Panda Loans ?
At CashPandaLoans we understand life has its ups and downs. Sometimes when you are short of cash emergencies can occur, a broken fridge, expensive hospital bill, broken down car, or anything else.
Don’t worry CashPandaLoans is here to help ! We are here 24/7 to help you with the quick loan, cash advance, short term loan, personal loan or a payday loan alternative that you need.
With our large panel of lenders covering almost all 50 states, your quick cash solution is just a few steps away
Our mission
We aim help and protect all consumers when in need of Personal Loans or Short Term Loans online in the U.S.
We developed a solution to help you get a quick loan online, easily, securely, and 100% Free with no obligation and no commission.
Innovation
Our advanced algorithm transmits your loan request to a wide range of the top U.S. lenders* in our platform smartly. Putting you the customer at the front, to make the top lenders compete to lend you the money you need.
Transparent service
Cash Panda Loans is a fully transparent service for helping ordinary Americans just like you to find a good responsible and trusted lender to help you according to your personal circumstances.
Availability
It doesn’t matter if you have poor credit or bad credit, at Cash Panda Loans all credit scores are considered on an individual basis. Our Next-gen Technology will help you find quickly the right solution with our 2min simple and user friendly loan request form.
Cash Panda Loans is committed to ensure Americans just like you can get access to the funding they need.
* Carefully Selected and Approved network of lenders.
**According to the amount you want to borrow, and your ability to repay the loan among other factors.
Who can request?
The basic requirements to request a loan, you need to:
Be over 18
Have a regular source of income (min $1,000 per month)
Be a Legal U.S. Citizen or Permanent Resident
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Have a valid Bank Checking Account, with direct deposit.
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Important Information
A SHORT TERM LOAN OPTION
A cash advance, quick loan or a short-term loan option is always a short-term solution. If you do not fully settle your loan as agreed then your loan provider might add fees and charges to your loan as a result will make it much more expensive. Your lender could also report to the credit reference companies, thus if you fail to meet your repayments, your credit score might be negatively impacted.
IMPLICATIONS OF NON-PAYMENT
If you are unable to pay on time, every lender has their own policies to fees, charges, interest, and how outstanding debts are collected. Some loan providers might take legal action in the event of repeated non-payment. Most lenders will contact you via phone or letter in order to rearrange the payment. A non-payment may result in charges and/or increased interest and may impact your credit score. Please read the charges section on the lenders site to find their respective policies before completing your loan.
COLLECTION PRACTICES
Most lenders will contact you you by e-mail, phone, and/or letter in order to rearrange repayment. Non-payment could result in raised interest and may affect your credit score. Continued non-payment may result in your debt passed to a collection agency, which would add further fees.
LATE PAYMENT
Should you feel that you will be unable to make your agreed repayment on the agreed date it is essential that you contact your lender in advance. Lenders may issue a charge for late payments. The amount of the charge will differ by lender so please read the terms and conditions before entering into any type of cash advance, short term loan or personal loan agreement.
YOUR CREDIT SCORE
Cash Panda Loans does not run a credit check on our customers. But for a lender to determine if a prospective borrower meets their requirements, the lenders may do a credit check before making a decision about you. You agree to this when you submit our loan request form. You can get your free credit score here.
TRUTH IN LENDING
To partner with CashPandaLoans.com, all of our partners including third parties and lenders must comply with the Truth in Lending Act. and prove they do so. This to make sure all loan contracts and loans comply with US federal law, and so they are easy to understand.
Important: Accepting an offer of any lender is strictly YOUR choice – You are under NO obligation to do so. Lenders have different Renewal Policies. Some of them automatically renew or have “roll-over” features. These conveniences often come with an extra fee. Please carefully read all the documents that your lender provides, if in doubt, ask for explanations from the lender. Make sure you understand the important parts like the APR you are charged, your re-payment schedule, their renewal policy as well as all charges and fees.
STATE AVILABILITY
Availability of loan options of all lenders depends on your state of residence in the U.S. As some of the lenders on our panel may charge interest in excess of your state’s maximum allowable limit, they may not be an option available to you. It is in your rights to waive the interest-related laws applied by your state. If you choose to do so, it can be done through the contract you sign with your lender. Should you choose to waive your state protection, your state’s interest laws will not apply to you or the agreement that you enter into with a lender. We at Cashpandaloans.com, we do our best to make sure we only work with the most reputable lenders and other partners who abide by all state-specific interest laws, which includes offering a maximum APR rate. It is always the lender’s responsibility to ensure that the agreement you (the borrower) enter into is valid within your state laws. If you have any questions about regulations and interest-related state laws within your state, please contact your state government for further information.
Cashpandaloans.com does not solicit any loan products. Likewise, our platform and website does not constitute any type of financial instrument or a loan offer prohibited by state law. Our services are void where prohibited.
CashPandaLoans.com is a FREE SERVICE! We will NEVER ask you for any payments, We will NEVER ask for your Credit or Debit Card details. WE are 100% Free, No Obligation Quote Service to our customers.