What is an online loan, and what can it do for me?

An online loan gives you quick, easy access to the cash you need, when you need it. With an online loan, there is finally an easier, quicker way to get much needed cash for unanticipated expenses.

Life never seems to happen exactly the way we plan. We are all familiar with the sinking feeling we get when unexpected expenses inevitably arise from medical emergencies, the urgent need for home or vehicle repairs, or issues as mundane as unusually high bills. ThinkCash offers online loans to make it easier for people like you to deal with life’s unavoidable financial surprises. Not only is applying on our website and receiving your money secure and convenient, but ThinkCash goes to extra lengths to provide benefits that will make repaying your loan simple:

No penalties for early payment.

You can pay off your online loan in installments, or you may pay your total balance at any time with no penalties. Unlike many financial institutions, we allow and even encourage you to pay off your loan early, reducing interest and finance charges in the long run. There are no hidden fees or penalties for early repayment—you pay interest only for the time period that you have the loan.

Loan payments are due when you get paid.

How many times have you had bills due when payday was just too many days away? We alleviate that problem by structuring your loan repayment schedule so that payment due dates align with the dates when you are regularly paid. People who are paid every two weeks will have loan payments due bi-weekly, while those receiving income monthly will have a loan payment due once a month.

Automatic payments.

As if owing payments only at times when you have cash in the bank is not convenient enough, ThinkCash also allows you to set up automatic payments to ensure that each of your payments is received on time. With an online loan from ThinkCash, you do not have to remember due dates, write checks or worry about the delay associated with sending payments via regular mail. To make loan repayment even more effortless, ThinkCash will send you a friendly reminder e-mail before each payment due date.

How much will my payments be, and what about the repayment terms?

The amount due for each payment will depend on your total loan amount as well as your interest rate and the repayment schedule that is set up for your loan. The loan amount, interest rate and charges associated with your loan are determined by your credit, factors from your application, and your payment history with ThinkCash.

We have systems in place to make managing the repayment of online loans convenient and affordable for each individual. For instance, our loan structure is set up to keep payment amounts below $100 in most cases (for bi-weekly payments). Additionally, we will align your loan payment due dates with the dates you get paid, so you never get stuck trying to make a payment between paychecks. Whether you are paid bi-weekly or monthly, we will establish payment due dates at the time you are paid to make managing your loan repayment schedule convenient.

What if my credit score is not great?

If you, like many people who take advantage of ThinkCash online loans, have a less than perfect credit score, you may still be approved for the online loan you need from ThinkCash. To qualify for an online loan from ThinkCash, you do not have to be employed - but having a reliable source of income is a requirement. What’s more, by building a successful loan payment history with ThinkCash, you can qualify for larger loan amounts in the future.

Is applying for a ThinkCash online loan safe?

Yes, the online loan application process is 100% secure and confidential. At Think Cash, we are committed to safeguarding your privacy. Personal information you provide to us is protected using up to date technologies which are in accordance with federal data transmission and storage regulations. A VeriSign secure sockets layer (SSL) certificate ensures that your personal financial information is transmitted securely when you apply for an online loan on our website.

Even with the extensive security precautions ThinkCash implements to protect your personal information, maintaining confidentiality is a multi faceted responsibility. To maximize the security afforded by our services, it is also important that you keep private your secure ThinkCash account log in information and password.

What if I am not approved for the maximum loan amount I requested?

Even if you do not initially obtain a loan for the full amount you anticipate, ThinkCash takes into consideration your payment history with us when you apply for future loans. By simply making timely payments on the loan you receive, you can build a solid payment history with us that will help you get approved for more substantial loans from ThinkCash in the future.

Apply Today

Ready for your own online loan? Apply today to find out how much you qualify for.

Refer a Friend

Have a friend who needs an online loan? Refer them to ThinkCash.com and receive free cash for yourself through our incentive program. We provide a $25 referral bonus per every first loan opened on each new eligible account you refer. There are no restrictions on the amount of referral bonuses you earn. Please see http://www.ThinkCash.com/referral.aspx for Refer a Friend terms and conditions.