FREQUENTLY ASKED QUESTIONS (FAQs)
What is a Fast Cash Advance Payday Loan?
A fast cash advance is a short-term loan, typically paid-off on your next payday.
How can I get a loan from Fast Cash Overnight.com?
After filling out the online application, you will have to fax in your bank statement and a voided check. We examine your bank statement to determine your income, and we loan you funds based on the monthly amounts we see deposited into your account. If we approve your loan request, the funds will be deposited into your account overnight so that you can get your money the next banking day. Thus at Fast Cash Overnight.com we help you maximize your Payday potential.
How can I apply for my loan?
You can apply by filling out the Fast Cash Overnight.com online application form.
When can I get my money?
You should fax in your bank statement as soon as possible. The deadline for next-day funds is 4:00 p.m. Pacific Standard Time. You must be approved by this hour for your funds to be available by the next banking day.
Note: Once we transfer funds to your account, your bank's ACH Department is responsible for depositing your funds to your account. Bank holidays and other restrictions may occasionally delay the availability of your funds. Please contact your bank's ACH Department if you have any questions.
Typically if your loan is approved on either Monday, Tuesday, Wednesday, or Thursday, you should have the money in your account on the following day. If your loan is approved on Friday, you should have the money in your account on Monday. If your loan is approved on either Saturday or Sunday, you will have the money in your account on Tuesday. This estimate is barring holidays and other unusual circumstances.
How do I repay?
You repay your money in the same way you receive it - an electronic transaction. You set the due date, and your loan is deducted from your account automatically.
Can I extend my loan?
Sure you can. Here at Fast Cash Overnight.com, we understand that, on occasions, you might find it difficult to make a payment on the day you've scheduled. On such occasions, you can call 1-8xx-xxx-xxxx to receive an extension. We require you to pay only a minimum finance charge for the first three extensions. Additional extensions require an additional $50 payment towards the principal (if your loan amount is under $500) and $100 payment towards the principal (if your loan amount is over $500).
Why do I have to make minimum payments after three extensions?
Our goal is not to string out our customers debt. At Fast Cash Overnight.com, we want to provide a resource which will contribute to your financial health, not hurt it. Requiring minimum payments toward your principal ensures that you repay the loan within a reasonable timeframe at no great cost to you.
Can I have more than one loan?
We do not allow our customers to have more than one open loan with us. But we do not reject loan applications from customers who have open loans with other cash advance companies.
What if I am in bankruptcy, have bad credit or no credit?
We cannot loan to customers who are currently in bankruptcy, but any bankruptcies that are in the past are of no concern. We do not check your credit history. We only run a check of the Teletrack database, which is an information sharing service used by loan agencies, to see that you have no unpaid cash advances.
Do I need to fax any documents?
We may require you to send us copies of your most recent bank statement (covering 30 days of transactions) and a voided check from your account. If you are a previous customer, with some exceptions, we will use your previous statement for 90 days.
I don't have a fax machine to send in my documents. Where can I find one?
Public libraries often provide faxes for public use, but you will also be able to find faxes at reprographics shops such as Kinko's or parcel posting businesses such as Mailboxes, Etc. and Postnet.
If you have other questions, please call 1-xx-xxx-xxxx
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