Frequently Asked Questions
Updated
Find answers about the application path, borrowing costs, repayment, privacy and recorded locations. For a specific credit offer, read the actual provider’s terms and disclosures.
Always read the disclosures and agreement from the actual provider. The provider’s terms and applicable law control a specific application or credit transaction.
1. What happens when I choose Apply Now?
The Apply Now page loads a form hosted through an external service. The site’s How it works page explains the visible path. Before entering information, review the form fields, notices, consent text, and the identity of any organization that will receive your request. Do not assume that opening or submitting a form means a credit offer has been made.
2. What rates, fees, or loan amounts does Cash & Go currently offer?
These educational pages do not publish a current rate, fee schedule, loan amount, eligibility decision, or funding promise. Do not rely on examples in general education as a quote. A provider must identify its actual offer and disclose the costs and payment schedule for you to review before you decide.
3. What is the difference between a fee and APR?
A fee is a dollar charge for a particular loan amount and term. APR annualizes the cost of credit, including applicable finance charges, to help compare products. A short term can make the APR look much higher than the one-period dollar fee. See the hypothetical calculation on Loan Costs; it is not a current offer.
4. How can I tell whether repayment fits my budget?
Compare the total amount due and exact due date with income and essential expenses for that period. Include housing, utilities, food, transportation, existing payments, and a buffer. If repayment would cause another essential bill to be missed or require new borrowing, consider pausing and reviewing the repayment checklist and possible alternatives.
5. What does a loan renewal or rollover mean?
Generally, a rollover charges a fee to delay the due date, while leaving the original principal unpaid. A later fee may also apply. Whether a rollover is offered or restricted depends on the loan and applicable law. The CFPB explains how renewals and rollovers work.
6. What if I think I will miss a payment?
Contact the actual lender or servicer as soon as you can, preferably before the due date, and ask whether an extended repayment plan or other option is available. Ask about added fees and get any agreement in writing. Availability may depend on law and lender policy. The CFPB has more information about what to do when repayment is difficult.
7. Are there alternatives to a short-term loan?
Depending on your circumstances, you could ask the biller about a payment arrangement, ask your bank or credit union about a product, look into local assistance, or speak with a nonprofit credit counselor. Federal credit unions may offer PAL products to members, but not every institution offers them and membership and eligibility rules apply. Compare actual fees, total repayment, and timing. Read Loan Alternatives.
8. Does this website have a current branch or active lending license?
The Locations page distinguishes historical public records from current status. Historical addresses and inactive license records do not prove a current branch, active license, or current domain owner. Verify the current provider and its authorization with the relevant regulator before relying on a licensing claim.
9. Who handles information I enter in the form?
The form is externally hosted, so review its own privacy notice, recipient information, and consent terms before submitting. Our Privacy Policy explains the distinction between website contact information and the external form. For application-data questions, contact the organization identified in the form’s own notices. If the responsible organization or use of information is unclear, pause and ask before entering sensitive details.
10. Where can I ask a general question or report a site correction?
Use the contact details shown on the Contact page for general site questions or corrections. For questions about a specific offer, application, account, or payment, contact the provider identified in its documents. Also review the site Terms.