What is ThinkCash?

At ThinkCash, our easy online application process helps you get the fast cash you need to cover life's unexpected events. This is a new option for people who want a short term loan without the hassle of going to a bank or the costs of a payday loan.

Unlike a Traditional Bank Loan:

ThinkCash does not require paperwork, have a long approval process, and no waiting in line. At ThinkCash, you get a decision in seconds on your loan application any time of day or night — and you can get from $250 to $2500 the next business day.*

Unlike a Payday Loan:

ThinkCash rates are typically 25 – 75% lower than payday loans. But the real benefit is our convenient payment options. At ThinkCash, you can pay off your loan in several installments - or pay off completely at any time - with no penalties. It's your choice.

Compare and Save:

Many online payday lenders charge $20 to $30 per hundred dollars borrowed for every 2 weeks you keep the loan. That's a 521% to 782% APR! And even if you pay off the loan early, you may still owe the entire loan fee. ThinkCash charges just $1 per day per $100 borrowed (365% APR) for small, short-term loans and as little as 24 cents per day per $100 borrowed (87% APR) for larger loans. Better yet, at ThinkCash we permit & encourage early payment with no penalties. So if you pay off your loan in 3 days, you'll only pay 3 days worth of interest.

Note: ThinkCash provides fast access to cash for customers who need between $250 and $2500. Although our loans are lower cost than payday loans, you may be eligible for lower cost forms of credit. We encourage you to evaluate all of your credit alternatives.