How It Works

CashExpert’s simple loan request process was developed to present you with relevant loan options from our network of lenders and financial service providers. If you connect with a lender from the network, the lender will then provide you with the terms of the loan.

  1. First, fill out the simple loan request form on our website, which will include your amount you would like to borrow, your credit type, and your loan reason. The form will require you to give some basic personal & income related information.

  2. After you submit the request, it will be reviewed by one or more lenders and financial service providers in our network. If connected to a lender, you may be redirected to the lender’s loan agreement or a request for more information. The loan terms will make the terms & conditions of the loan clear, and they will indicate the amount that you must repay and the time frame of the repayment. Please be sure to thoroughly review the terms of the loan, including the interest rate and the repayment terms, prior to accepting the lender’s offer.

  3. If you do agree to the terms of a loan, the funds can often be deposited directly to your US checking account. The amount of time that it will take for the funds to be credited to your bank account will depend on the lender you work with and the time of the loan approval. In most cases, customers receive money within one to five business days.


Installment Loans

Personal installment loans are broad range personal loans that vary by state. Each state has its own rules and regulations for personal loans, so your loan amount and rate will depend on where you live. For example, the legal loan amounts in California range from $2,500 to $20,000, with an interest rate ranging from 30% to 95%. While each state has different personal loans laws, your loan amount, APR and length of loan will depend on a variety of factors that lenders use including your credit score and repayment history.

The personal installment loan process is also quick and convenient. You can request a loan by providing basic personal and financial information. Your lender will provide you with a loan agreement individually tailored to your financial needs. Once you accept the loan agreement, your loan will be deposited directly into your bank account. Again, review the terms of your agreement before you sign, as each lender will have their one specific repayment process.

Typical Requirements:

  • Credit Score: 580+
  • Minimum Income: $2,000 per month
  • Income Source: Employed, Self-Employed, or Benefits
  • Loan Range Given: $1,000 to $20,000

Personal Loans

A bank personal loan provides one-on-one local service to borrowers who would like to request a loan in person at their local bank. First by phone or in person and provide your personal information for the loan. Some banks even allow you to request a loan online as well. If you request a loan online you will likely be directed to the nearest local brand to complete the loan request process in person. If you are approved, then you will either receive the funds at the branch or they will be deposited to your bank account.

Typical Requirements:

  • Credit Score: 580+
  • Minimum Income: $3,000 per month
  • Income Source: Employed, Self-Employed
  • Loan Range Given: $1,000 to $35,000