How It Works

How Online Cash Loans Work

This is a lender-matching service which primary goal is to connect consumers like you with short term lenders whenever unexpected financial emergencies arise. We can successfully match a great part of individuals who submit request a lender willing to provide the funds they need.

All About Short Term Loans

Our Secure Online Form Submitting is Fast and Free

The online form we provide only takes about two minutes to fill out, is completely secured with top-notch security software, and is free for you to fill out. We only ask for the information we need to match you with a lender in our network, and after you submit this information, it is forwarded to our lenders who can provide you with up to $1,000 in cash in as little as one business day. In many cases, you will not be asked to fax a single document.

Review the No-Obligation Offers

In a matter of minutes after we have processed your information, you can be matched with one of our lenders and can get an offer that suits your requirements and your details. You are never under obligations to accept any offer, so if the offer you receive is not satisfactory, you can simply reject it, and it will cost you nothing.

Getting Your Cash

After getting the offer that suits your financial needs, you will go through the details of your loan agreement. Then, your lender will ask you to provide your electronic signature in order to enter into a contract. Once this step has been completed, your lender will usually deposit the loan amount for which you were approved into your checking account on the following business day.

Repaying Your Loan

Some of our lenders can make the loan repayment process incredibly simple. If you opt for the direct withdrawal option while closing your loan agreement, you can have the repayment done for you electronically. In most cases, all you will need to do in order to repay your loan is to ensure that the repayment amount—the amount of the loan plus any applicable fees and interest—is available for withdrawal on the scheduled date. This way, you do not have to mail any checks or money orders and you do not have to visit a retail location. This paperless process also helps to reduce the likelihood of late payments and may even save you money.

Short Term Loan Qualifications

Qualifying for a short term loan is simpler and easier than qualifying for other forms of consumer credit. These are the basic qualifications associated with obtaining a short term cash loan:

• You must be 18 years of age or older
• You must legally live and work in the United States
• You must be employed with the same employer for a minimum of 90 days
• You must have a bank account that is not currently overdrawn
• You must have a valid email address and working telephone number
• You must meet minimum income requirements

Your Credit History Is Usually Not the Critical Issue

Even though the lenders that partner with Lendew.com do perform credit checks if necessary, individuals with imperfect credit or no credit at all usually can qualify for loans anyway. The lenders in our network may also perform alternative credit checks with the companies like TeleTrack or DP. These verifications help to ensure that you are not currently in bankruptcy and that you do not have outstanding loans with other lenders. These checks usually do not affect your credit score.

Getting the Biggest Benefit from Short Term Loans

In order to truly enjoy the benefits associated with short term loans, it is important for you to repay your loan on time. This will help you to avoid potentially high late fees and build a better business relationship with your lender of choice. You should always ensure that you will have the funds available to repay your loan before you apply, and you should contact your lender immediately to discuss the available options if you will be unable to repay your loan on time.

How We Can Help

We are always available to answer your questions about this website, our services and short term loans in general. We strive to provide you with outstanding customer support and will answer your inquiries as quickly as possible. If you have issues with any particular loan deal with one of our lenders, please, contact that lender directly, because we are not authorized to have details regarding any loan agreement you’ve entered.

Disclaimer:

Short-term loans are emergency credit products of relatively small amounts designed for short-term financial issues only and can become an expensive product if used for long-term purposes.

The owner and operator of WWW.Ozloans300.com is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designed only for a matching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. All the data concerning short-term loan products and the industry is presented on the website for information purposes only. WWW.Ozloans300.com does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. WWW.Ozloans300.com does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. Short-term loans are not available in all the states. Not all the lenders in the network can provide the loans up to $1,000. WWW.Ozloans300.com cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be matched with a lender, or if matched, will receive a short-term loan offer on the terms requested in the online form. The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually.
APR Representative

APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since WWW.Ozloans300.com is not a lender and has no information regarding the terms and other details of short-term loan products offered by lenders individually, WWW.Ozloans300.com cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant. Additional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with WWW.Ozloans300.com, and WWW.Ozloans300.com has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a short-term product.
Late Payment Implications

It is highly recommended to contact the lender if late payment is expected or considered possible. In this case, late payment fees and charges may be implied. Federal and state regulations are determined for the cases of late payment and may vary from case to case. All the details concerning the procedures and costs associated with late payment are disclosed in loan agreement and should be reviewed prior to signing any related document.
Non-payment Implications

Financial and non-financial penalties may be implied in cases of non-payment or missed payment. Fees and other financial charges for late payment are to be disclosed in loan agreement. Additional actions related to non-payment, such as renewals, may be implied upon given consent. The terms of renewal are to be disclosed in each loan agreement individually. Additional charges and fees associated with renewal may be applied.

Debt collection practices and other related procedures may be performed. All the actions related to these practices are adjusted to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experience. The majority of lenders do not refer to outside collection agencies and attempt to collect the debt via in-house means.

Non-payment and late payment may have negative impact on the borrowers’ credit standing and downgrade their credit scores, as the lenders may report delinquency to credit bureaus, including but not limited to Equifax, Transunion, and Experian. In this case the results of non-payment and late payment may be recorded and remain in credit reports for the determined amount of time.