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The amount you can borrow depends primarily on your credit limit. Some types of larger loans, such as mortgages or auto loans, will also require you to have a low level of debt relative to your income. .
Various websites exist that let you check your credit report for free. They’re pretty accurate, but not 100% all the time. Fortunately, the 3 credit bureaus offer you a free credit report once per year. Check this report before applying for a loan (if possible) and dispute any errors so your credit is as strong as possible.
Secured loans require you to put down collateral — a valuable item that the lender can take if you fail to pay the loan back. Secured loans come with lower interest rates, but you risk losing your collateral. Unsecured loans don’t need collateral but do require better credit.
Bring documentation proving your income and employment. You’ll also have to provide your Social Security number and documents that prove your identity. Larger loans, such as mortgages, may require a significant amount of other financial documentation such as your assets and liabilities. Lenders can check your credit score with you bringing your credit report. Be prepared for a “hard inquiry”, or formal credit check to occur. These slightly hurt your credit, but are removed from your credit report after two years.
Approved Cash is a loan referral service that connects you to local lenders for a variety of loan types. We make it easy for you to loan shop by seeking the lenders out for you. We are not a lender, so we do not offer the loans ourselves. Instead, we simply facilitate the process by connecting you with top lenders in your area.
On Approved Cash, you can submit a request for a loan in less than 60 seconds. We then connect you with local lenders in our lender network. Your lender(s) will contact you within 24 hours. From there, you discuss the terms of the loan with your lender. We are not involved in the process once you start speaking with a lender.
You can obtain a wide array of loans through Approved Cash: Auto loans Business loans Debt consolidation loans Home equity loans Home improvement loans Mortgages Personal loans Student loans Refinancing loans
Head to our home page and fill out our form with the type of loan you want, your zip code, and click the “Go Next” button. On the next screen, give us your name, phone number, email address, and desired loan amount; then, click “Submit Request”. Before you submit a loan request, you can also check out our calculators to estimate interest costs, fees, and other loan details.
No. Approved Cash is completely free for borrowers to use. There is no cost to submit a loan request and there are no hidden fees. Lenders may charge you their own fees, but we do not charge anything.
No. Approved Cash does not lend money, so we do not perform a hard inquiry into your credit. With that said, once you connect with a lender and apply for your loan with them, they will do a hard inquiry into your credit. This will lower your score, although the effect of hard inquiries fades over time.
No. We simply find lenders in your area that are looking for new borrowers. There is no guarantee that lenders will approve you for a loan. To maximize your chances of being approved, make sure you maximize your credit score. For some types of loans — such as mortgages — keep your debt levels as low as possible relative to income. Increasing your income will help with mortgages and other large loans as well.
Approved Cash only collects your name, email address, and phone number so that our lending partners in your area can contact you. You do not have to disclose any sensitive data to us.
No. We don’t require borrowers to make any sort of account. You can head over to our home page, fill out our form in 30 seconds, and go about your day.
We send your loan request to 3 lenders in your area.
Approved Cash provides licensed loan officers a steady stream of warm leads in their local area — all for a low-cost, annual membership.
We ask that you be a licensed loan officer to sign up and join our lender network.
You can offer the following loan types through Approved Cash: Auto loans Business loans Debt consolidation loans Home equity loans Home improvement loans Mortgages Personal loans Student loans Refinancing loans
Head over to our Agent Register page and fill out our form. You’ll need to provide the following information: Your name Phone number Email address Physical address (including city, state, and ZIP code) The company you work for Licensing information (license number, licensing state, expiration date) A profile image of yourself Submit your information, and we will review your request.
We ask that you be a licensed loan officer to sign up and join our lender network.
