We are not a lender, financial institution, loan broker or an agent of a lender, financial institution or loan broker. We don’t have any control over offers made by lenders, or the terms and conditions included in any loan agreements. We simply provide marketing and advertising services to connect you with major online lenders through the submission of our online form. We use integrated technology to match your details to loans offered by major online lenders in our data base. You then receive loan offers which you can either accept or reject. It’s absolutely up to you. You are under no obligation to proceed.

A personal loan is a contractual agreement between you and a lender to fund an objective or specific purpose, for example, to buy a new car, to have a baby, to go on a holiday or to consolidate debts.

A personal loan can either be an unsecured loan or a secured loan. An unsecured loan is a loan that is not secured against an asset (like a house or car). The loan is supported only by your creditworthiness. Whereas a secured loan is a loan that is secured against an asset (like a house or car). The loan is supported by your asset and your creditworthiness. Secured loans are easier to obtain because lenders take on less risk and tend to offer lower interest rates. However, unsecured loans are generally approved quicker and tend to allow longer repayment terms. So your repayments are less because your loan term is longer but you will pay more interest over the term of the loan.

Your contract will specify the annual percentage rate (APR) (fixed or variable), fees and charges payable and repayment terms. It is likely you will be required to repay the loan in fixed amounts each month. Loan terms can vary but are generally between 1 to 5 years.

The annual percentage rate or APR represents the annualized interest rate that you are charged for borrowing. It is a combination of the nominal interest rate and additional costs such as fees involved in obtaining the loan. Since Credit Cache is not a lender, we cannot provide you with any details about the APR you will be offered. The APR depends solely on the lender’s discretion and is based on various factors including your credit score, credit history, income and other information you supply in your online form. For more information regarding the APR please contact the relevant lender.

Yes. Credit Cache is completely free to use. We do not charge any fees for our services. However, we may receive a commission fee for introducing you to our lenders.

Once you receive your loan offers if you want to proceed simply click “Yes”. Once the lender receives your details (in real time), the lender will send you the terms and conditions for the loan. Once you accept the terms and conditions the lender will send you a notification and you will get cash in your bank account as soon as the next business day. Please note that funds transfer time may vary depending on your lender and/or financial institution.

If you have any questions about your loan offers, please contact the relevant lender identified in your search results. Alternatively, we recommend you seek the advice of a qualified professional with respect to any questions you may have about your loan offers.
We are unable to assist you with any queries regarding any loan offers as we are not a lender and we do not provide any loans.

We provide marketing services solely for your convenience, and such our services are not intended as a substitute for professional financial or legal advice. In addition, any information on the Site should not be construed as the provision of financial advice or recommendations and should not be relied upon as the basis for any financial decision or action.

We ask you for your social security number because our lenders require it to be able to provide you with loan offers. There is no impact on your credit score using our services to receive loan offers, and you are under no obligation to proceed with any of the lenders you receive offers from.

Lenders eligibility checks involve a soft check of your creditworthiness to preliminarily assess your eligibility for a loan so there is no impact on your score when using Credit Cache’s services. Soft checks can remain on your credit report for 24 months but do not affect your credit score. Once you proceed with a loan offer by clicking “Yes” you are authorizing a lender to conduct a hard check to fully evaluate your creditworthiness and your eligibility for a loan.

For example, the personal details you provide such as your social security number and driver’s license number, as well as any other qualifying information (employment status, income etc) will be verified against national databases to determine your credibility, credit standing and capacity to pay. When you share your personal information using the Site you agree that lenders may verify your information with any of the major credit bureaus such as Equifax, TransUnion and Experian and check your credibility as set out in their terms and conditions.

You can learn more about how credit checks can affect your credit score at MyFico.com.

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If you no longer want Credit Cache sending you marketing communications, please unsubscribe.

Yes. A deposit account in your name is required in order for approved funds to be provided to you.

Credit Cache’s major online lenders offer loans anywhere from $500 to $100,000. The amount of any loan offer varies on the lenders criteria being met, your creditworthiness, and your state’s laws. We cannot guarantee that you will receive loan offers relevant to your requirements or the rates advertised on any lenders website. Credit Cache does not guarantee you will be presented with any loan offers, or that you will qualify for the rate, fees, or terms shown on the lenders site.

Each lender has its own criteria that needs to be met in order to qualify for a loan. Additionally, most of the major online lenders have basic eligibility requirements. Generally, you must:

• be at least 18 years of age
• live and work legally in the US
• be employed and have a regular source of income
• have a deposit account
• have a valid email address and phone number

There is no impact on your credit score using Credit Cache’s service to receive loan offers, and you are under no obligation to proceed with any of the loan offers you receive from our major online lenders.

Apply now by filling out our online form. After you submit our online form you will be able to review the details of various loan offers from our major online lenders. If you decide to proceed with any loan offer, simply click “Yes” to proceed to the lender’s website to complete the process directly.

Credit Cache has options available for all credit scores. If you have a bad credit score don’t worry, we have major lenders who are willing to assist you.