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Frequently Asked Questions

Top Online Cash provides a marketplace service where your loan request is submitted to a network of reputable lenders. Our service is always free–there is never a cost to you for submitting an inquiry. Your lender will have its own rates and fees that will be provided to you before you accept the loan. Top Online Cash is not a lender and does not make credit decisions.

New customers may have questions about Top Online Cash, which is why we have compiled the most common questions below. If you have a question that is not answered here, we are happy to answer your questions. Just complete the form on the Contact Us page and we will get back to you quickly.

If you have questions regarding a loan inquiry, approval, funded loan, payments or any other question about a particular loan, please contact your lender directly. If you received a loan, you should already have the lender’s contact information. Since we are not the lender, we cannot answer questions about pending or approved loans.

  1. What is a personal loan?
  2. Who can qualify for a personal loan?
  3. How much can I borrow?
  4. How will I receive the loan money?
  5. If I have bankruptcy or bad credit, can I still get a loan?
  6. How long does the process take?
  7. Will I need a printer or fax machine?
  8. What is the cost of a short term consumer loan
  9. If I already have an outstanding cash advance loan is it possible to get a new one?
  10. When and how do I repay my loan?
  11. What happens if I’m late with a payment?
  12. How is my private information protected?
  13. When can I get another loan?
  14. Is an extension possible on repaying my loan, and how many extensions can I get?
  15. What happens if I’m not able to repay my loan?
  1. What is a personal loan?

    Personal loans might be called different things, but they’re all designed to provide you with temporary financial relief.

  2. Who can qualify for a personal loan?

    Most lenders require you to:

    1. Be employed in your current position for approximately 90 days or have another source of adequate and predicable income;
    2. Be at least 18 years old, and a US citizen or a permanent resident;
    3. Have an income of approximately $1,000 per month after tax withholdings; and
    4. Have a valid email address, work phone number and home phone number.
  3. How much can I borrow?

    The amount a lender is willing to give you depends on how the lender evaluates a number of factors, including your state of residence and applicable legal restrictions (loans are not available in all states). Many lenders in our network will loan between $100 and $5,000.

  4. How will I receive the loan money?

    Once the lender approves your loan and you accept the loan terms, your loan will be deposited directly in your bank account, usually as soon as the next day.

  5. If I have bankruptcy or bad credit, can I still get a loan?

    Personal loans generally are offered for people with good credit, although each lender has its own underwriting policies. An alternative for those with bad credit may be to seek a short-term consumer loan. If we cannot find a lender that can offer you a personal loan for the amount you requested, we will search our network of short term lenders to see if we can find a short-term lender for you.

  6. How long does the process take?

    It should only take a few minutes to complete our secure online form. After we receive your information, we immediately start looking for a lender that is willing to work with you. You should have a response from one of our lenders within minutes. Final approval and funding is often done in as little as 24 to 48 hours.

  7. Will I need a printer or fax machine?

    Some lenders will ask for your permission to access your information such as bank statements or income verification online, saving you from having to fax or email copies of those documents. However, your lender might need you to fax or email a copy of your bank statement, paycheck stubs or other information. If you do not have access to a scanner or printer, consider visiting Office Max, Kinkos or another office service provider. You should also have access to a printer so you can print a copy of your loan agreement. If you have questions after your loan is funded, you will need your lender’s contact information!

  8. What is the cost of a short term consumer loan

    There is no cost to use Top Online Cash’s marketplace service. The actual cost of your loan may vary by lender. You will be provided information on the rates and fees before you accept the loan. Personal loans are not designed as long term financial solutions but are often less costly than late charges, NSF fees or reconnect fees for overdue utilities. Please only accept a loan if you believe you have the ability to repay it.

  9. If I already have an outstanding cash advance loan is it possible to get a new one?

    You may be allowed to secure more than one personal loan at any given time, but this will depend on your state’s laws as well as your lender’s practices. If you have an outstanding personal loan or other personal loan, you should let your new lender know about it before you accept a new loan.

  10. When and how do I repay my loan?

    If you have selected the convenient and secure ACH payment option, your loan payment will be withdrawn from your bank account on its due date. This option is designed for convenience and helps you avoid potential late fees or default! If you need an extension on your loan, please contact your lender before you miss a payment (additional fees may be involved).

  11. What happens if I’m late with a payment?

    Each lender has its own late payment policy and fees. Check your loan documents for details or contact your lender directly. Some states may regulate or limit late fees.

  12. How is my private information protected

    We use industry-recognized security and advanced encryption technology to protect your personal information. Your information is transmitted and stored securely in an encrypted format. Please review our privacy policy for additional details.

  13. When can I get another loan?

    You can use our service to get a new loan at any time (subject, of course, to state law restrictions). If you have recently taken out another personal loan that is still outstanding, please inform your new lender before accepting a new loan.

  14. Is an extension possible on repaying my loan, and how many extensions can I get?

    The rules on extensions or “rollovers” varies among lenders and also may be regulated by state law. Some states allow for multiple rollovers while others do not allow it at all. If you need an extension on your loan, make sure to contact your lender before you miss any payments. Most lenders will work with you to help you avoid missing payments or defaulting on your loan.

  15. What happens if I’m not able to repay my loan?

    If you can’t make your loan payments on time, you may be in default of your loan obligations. Late payments and loan defaults may adversely affect your credit and may make it difficult to obtain future personal loans.

    If you can’t make your payments on time, don’t ignore it! Talk to your lender ahead of time and see what they can do to help you make the best of the situation.

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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