Privacy Policy

FACTSWHAT DOES Top Online Cash DO WITH YOUR PERSONAL INFORMATION?
WHY?Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
WHAT?The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and checking account information
  • Transaction history and income
  • Credit history and account balances
HOW?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Top Online Cash chooses to share; and whether you can limit this sharing.

 

REASONS WE CAN SHARE YOUR PERSONAL INFORMATIONDOES TOP ONLINE CASH SHARE?CAN YOU LIMIT THIS SHARING?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausYesNo
For our marketing purposes – to offer our products and services to youYesNo
For joint marketing with other financial companiesYesNo
For our affiliates’ everyday business purposes – information about your transactions and experiencesYesNo
For our affiliates’ everyday business purposes – information about your creditworthinessYesYes
For our affiliates to market to youYesYes
For nonaffiliates to market to youYesYes

 

TO LIMIT OUR SHARINGPlease note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing as noted above.

 

WHO ARE WE
Who is providing this notice?Top Online Cash (dba Top Online Cash)
WHAT DO WE DO
How does Top Online Cash protect my personal information?To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Top Online Cash collect my personal information?We collect your personal information, for example, when you
  • Submit a loan request
  • Provide your contact information
  • Request help obtaining a loan
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?Federal law gives you the right to limit only
  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • Affiliates from using your information to market you
  • Sharing for nonaffiliates to market you
State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?Your choices will apply to everyone on your account.
DEFINITIONS
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.
NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint MarketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.

 

 

OTHER IMPORTANT INFORMATION

Material changes to this Privacy Policy will be posted here and are deemed effective upon posting and without additional notice to you. We do not maintain a process for consumers to review and request changes to any personally identifiable information that is collected here.

Vermont residents: We will not disclose information about you with affiliates or non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.

California residents: We will not share information we collect about you with affiliated or non-affiliated third parties, except in the limited circumstances permitted under state law, or if you give us your permission (i.e., via a request form). Also please note that in order to provide better services to consumers, when we receive a Do Not Track signal, we may ignore such signals. Other parties may collect personally identifiable information about an individual consumer’s online activities over time and across different web sites when a consumer uses our website or service.

North Dakota residents: We will not disclose information about you with non-affiliated, third party companies or financial institutions, other than as required or permitted by law, without your express permission.

Nevada residents: If you would like more information regarding this notice or Nevada’s law regarding corporate do-not-call registries, you can contact us at the toll-free number or address included in this notice or the Bureau of Consumer Protection, Office of the Nevada Attorney General at 555 E. Washington Street, Suite 3900, Las Vegas, Nevada 89101; Phone: (702)486-3132; Email: BCPINFO@ag.state.nv.us.

Effective Date: The privacy policy was last updated June 13, 2018.

Frequently asked questions

Most frequent questions and answers

To apply for a personal loan, each lender has its own set of conditions. Borrowers who are 18 or older, U.S. citizens or permanent residents with a valid Social Security number, have a stable income, and have a decent background history are usually the ones they are looking for.

Your debt-to-income ratio, or how much of your monthly income goes toward servicing recurring commitments like rent, car payments, or credit card bills, determines how much you can borrow with a personal loan.

Qualifying criterion is an employee, no military, not a resident of NY, has a checking account, and over 18 years old.

Each lender has its own process of assessing borrowers and deciding rates.

When it comes to finalizing your personal loan, you will need to be clear and honest on the submission form.

Always speak with the lender and carefully review the offer before accepting.

Personal loans can be used for almost anything.

You can use it for Debt Consolidation, Credit Card Refinancing, Career Development, Vacation, Home Improvement, Wedding Expenses, and more.

 

For example, assume you get a $5,000 personal loan with an APR of 7.5%. The loan has a repayment term of 12 months. Using those terms, your monthly payment would be $433.79 and the total interest paid over the life of the loan would be $799.90. Now assume you borrow the same amount but with different loan terms.

Fast Cash Loans up to $5,000

How It Works

TopOnlineCash.com is not a lender and therefore does not make short-term loans or credit decisions. We are a loan connecting service where we connect consumers with independent third-party lenders.

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

You can register online using any computer or mobile device. The method is extremely fast because it takes place in real-time. If you are paired with a lender, you will receive an offer from that lender outlining the loan’s terms and conditions. If you accept the conditions (which you can do), the money will be in your account as soon as the next business day.

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

  • You must be at least 18 years old to participate.
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps, or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
  • Not a resident of NY.

Important Disclosures. Please Read Carefully.

Our lenders offer loans with an Annual Percentage Rate (APR) of 35.99% and below. For qualified consumers, the maximum APR (including the interest rates plus fees and other costs) is 35.99%. All loans are subject to the lender’s approval based on its own unique underwriting criteria.

Example: Loan Amount: $4,300.00, Annual Percentage Rate: 35.99%. Number of Monthly Payments: 30. Monthly Payment Amount: $219.36. Total Amount Payable: $6,581.78 Loans include a minimum repayment plan of 12 months and a maximum repayment plan of 30 months.

The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. Top Online Cash is not a lender and does not make loan or credit decisions. Top Online Cash connects interested persons with a lender from its network of approved lenders. Top Online Cash does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. Top Online Cash receives compensation from its lenders, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, Top Online Cash’s service is always free to you.

This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where Top Online Cash does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

By submitting your information via this website, you are authorizing Top Online Cash and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize Top Online Cash to share your information and credit history with a network of approved lenders and lending partners.

Lender’s Disclosure of Terms.

The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender’s internal policies, underwriting criteria and applicable law. Top Online Cash has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.

Personal loan offers provided to customers who originated via a paid Google or Bing advertisement feature rate quotes on TopSmartLoans maximum of 35.99% APR with terms minimum of 61 days to a maximum of 180 months. Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history, and will be agreed upon between you and the lender. For additional loan options, please email us at info@toponlinecash.com. An example of the total amount paid on a personal loan of $10,000 for a term of 36 months at a rate of 10% would be equivalent to $11,616.12 over the 36-month life of the loan.

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