How It Works
Here's how the loan request process works:
Frequently Asked Questions (F.A.Q)
Notices and Disclosures
NOTICE: We adhere to strict privacy standards and we are required by law to adopt procedures to request and retain in our records information necessary to verify your identity.
This Privacy Statement explains our views and practices concerning privacy, and how they may pertain to you as a user of our website.
"You" or "Your" means you as a participant in or as a user of the GetCashHelp.com website. "We" or "Our" or "Us" means GetCashHelp.com. "Our site" means GetCashHelp.com.
All information transmitted, printed or otherwise submitted to GetCashHelp.com via this website shall be deemed to be the property of GetCashHelp.com and GetCashHelp.com shall be free to use such information for any lawful purpose as detailed herein.
This site may contain links to other sites. We are not responsible for the privacy practices or the content of such sites.
We reserve the right to release such information to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law.
We automatically collect and/or track the following:
Use of Data Collected
Information collected by us may be added to our databases, as well as third party databases, and used for future telemarketing, SMS text-messaging, e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online. By using this site, you agree that you may be contacted in any manner contemplated in this section even if your number is found on a do not call registry, in-house list or similar registry.
Disclosure of Data to Third Parties
DO NOT TRACK DISCLOSURE
Your Opt-Out Rights
We Do Not Intend to Collect Data from Children The information and services provided to us or our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever, either inside or outside GetCashHelp.com. No part of GetCashHelp.com's web site is structured to attract anyone under the age of 18.
Our Right to Contact You
Our Right to Change
Our Contact Information
This website, websites linking to this website, and websites linked from this website (collectively "We") may make available a service either directly or through third parties by which you can receive commercial messages on your wireless device via short message service ("SMS Service"). Your provider's standard data and messaging rates apply to all SMS correspondence. All charges are billed by and payable to your mobile service provider. You represent that you are 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges. Data obtained from you in connection with this SMS Service may include your name, address, cell phone number, your provider's name, and the date, time, and content of your messages. The use of this information will be in accordance with this Mobile Policy. If fees are charged to your wireless account invoice, we may provide your carrier with your applicable information in connection therewith. Your wireless carrier and other service providers may also collect data about your wireless device usage, and their practices are governed by their own policies. You acknowledge and agree that the SMS Service is provided via wireless systems which use radios (and other means) to transmit communications over complex networks. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis. We do not guarantee that your use of the SMS Service will be private or secure, and we are not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures best suited for your situation and intended use of the SMS Service. You may opt out of the SMS Service at any time by replying "STOP", "END", or "QUIT" to the SMS text message you have received. This process impacts only the future delivery of the particular SMS message offering, so you must send that message for each offering.
Information for ISPs
GetCashHelp.com understands consumers' concerns over the use of their personal information. We hope this information will relieve any concerns your company may have regarding our email policies. GetCashHelp.com and its affiliated sites use only an "opt-in or opt out" method of obtaining customer information, and it is not our policy to send unsolicited email. We obtain email addresses and personal information from third parties that follow the same set of policies. GetCashHelp.com email messages sent include the following information about the origin of the emails and include instructions on how recipients can unsubscribe from receiving future email messages:
This email is not sent unsolicited. This is a GetCashHelp.com emailing. Offers are sent to subscribers ONLY.
From time to time, GetCashHelp.com will enter into an arrangement with a third party website to allow individuals to opt into our marketing program on those third party websites. In each case the third party websites have represented and warranted to us, among other things,
GetCashHelp.com Consent for Electronic Signatures, Records, and Disclosures ("E-Consent")You are submitting a request to be connected with one of our third party lenders. To offer you a loan, one or more of the third party lenders in our network of lenders need your consent to use and accept electronic signatures, records, legal disclosures, and other communications (“E-Consent”). GetCashHelp.com makes no representations as to what, if any, communications you may receive from your lender. This is intended to put you on notice of your rights when receiving disclosures, notices, and information. By clicking “I Consent,” or other links assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contractual documents (“Disclosures”).
Option for Paper or Non-Electronic RecordsIf you would like to receive a paper copy of any Disclosures,please contact the lender lender directly. Some third party lenders may make paper copies available to you at no charge. Additionally, the Lender will retain all Disclosures as the applicable law requires.
Scope of ConsentThis E-Consent applies to all interactions online between and concerning you and the third party lender and includes interactions engaged in on any mobile device, including smart-phones, phones, and tablets. The third party lender, through this E-Consent, may process your information and interact during all online interactions with you electronically. You may also receive notices sent electronically from the lender related to your interactions and transactions with the third party lender. Disclosures may be provided online at the third party lender’s website(s).
Consenting to do Business Electronically and System RequirementsPrior to deciding whether or not to conduct business electronically with a third party lender, please first consider whether you have the hardware and software capabilities required to do so. To access, obtain, and retain Disclosures electronically, the following computer software and hardware are required: 1) A PC or MAC compatible computer or other device capable of accessing the Internet; 2) access to a working email account; and 3) an Internet Browser software program that can support at least 128 bit encryption (i.e. Firefox, Internet Explorer, Netscape, etc.); 4) you may need Adobe Acrobat Reader X® or Foxit® to read some PDF documents; and 5) a printer or long-term storage device (i.e. computer disk drive). Please direct any questions you may have regarding these hardware and software requirements directly to the third party lender.
Modification of Consent TermsGetCashHelp.com reserves the right to modify these terms and conditions at our discretion, without notice.
Withdrawing Your ConsentYour E-Consent for our lender-connecting service and for our third party lenders’ consideration of your connecting request cannot be withdrawn as it is a one-time transaction. Its legal effectiveness, validity, and enforceability will not be affected if you choose to withdraw this E-Consent. Upon being connected with one or more third party lenders, you may withdraw your E-Consent with any of those third party lenders at any time, and at no charge to you. Please note, if you withdraw your E-Consent prior to receiving a loan, you may be prevented from obtaining a loan from the lender.
Change of Contact InformationPlease keep the third party lender up-to-date of any change(s) to your electronic address or mailing address. To update your information, you may log into the third party lender’s website or send the third party lender your updated information via mail.
Your Ability to Access DisclosuresBY CLICKING THE LINK OR "I CONSENT," YOU ASSENT TO THE TERMS OF THIS DISCLOSURE. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE FORMATS DESIGNATED ABOVE.
ConsentBY CLICKING THE LINK OR "I CONSENT," YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU ELECTRONICALLY, AND TO DOING BUSINESS WITH THE THIRD PARTY LENDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, TO BE PROVIDED TO YOU UPON REQUEST AT NO CHARGE. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED IN ORDER TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET. IF YOU DO NOT PROCEED, THEN YOU DO NOT WISH TO USE ELECTRONIC SIGNATURES OR CONDUCT THIS TRANSACTION ELECTRONICALLY.
Terms and Conditions
WELCOME TO GetCashHelp.com
Thank you for choosing GetCashHelp.com (the "Website"). The Website and the Services (as defined below) are provided by Sovereign Internet Marketing ("we” or "us” "our").
By using the Website or Services, you represent and warrant that you are at least 18 years old, a resident of the United States, and are otherwise legally qualified to enter into and form contracts under applicable law. This Agreement is void where prohibited.
We grant you a limited, non-exclusive, revocable, non-transferable license to make personal, non-commercial use of the Website and Services. Upon termination of this Agreement, this license will automatically terminate.
You represent and warrant that all information that you provide on an Application or otherwise in connection with your use of the Website and Services will be current, complete and truthful.
CONSENT TO RECEIVE EMAIL COMMUNICATIONS
The Website links to, and may direct you to, third-party websites ("Third-Party Websites"). We do not have control over the content and performance of Third-Party Websites. We do not warrant, endorse, guarantee or assume responsibility for any Third-Party Website, or any product or service advertised or offered on or through any Third-Party Website. You should use your judgment and exercise caution when visiting Third-Party Websites.
We impose certain restrictions on your use of the Website and the Services. You shall not:
Any violation of this section may subject you to civil and/or criminal liability.
The Website, all content and materials located on the Website, and the selection, arrangement and organization thereof, are the intellectual property of Sovereign Internet Marketing or its licensors.
DISCLAIMERS; LIMITATION OF LIABILITY
QUESTIONS OR COMMENTS
We are always excited to hear from our customers. We know the only way we can serve you better is by listening to what you have to say. Please let us know what is on your mind.
Do you have a question or comment about the Services, Website or our company? Please send them to admin@GetCashHelp.com
Or, you can find answers to many frequently asked questions at our FAQs page.
Responsible Lending Policy
GetCashHelp.com remains dedicated to working with reputable lenders. In addition, GetCashHelp.com provides information that will assist consumers in making informed, responsible loan decisions.
Truth in Lending ActGetCashHelp.com's policies and practices adhere to the regulations set by Fair Lending laws, such as the Truth in Lending Act. Before a consumer assumes any obligation to initiate the loan process, consumers should demand to be presented, in writing, with the exact rates, fees, rollover charges, and other details of their loan, not to exceed applicable laws, rules, and regulations.
Fair LendingThe Dodd-Frank Wall Street Reform Act states that all lenders, including cash advance lenders, must engage in “fair lending,” which is defined as “fair, equitable, and nondiscriminatory access to credit for consumers.” Dodd-Frank also tasks the Consumer Financial Protection Bureau with the enforcement of fair lending regulations. Consumers using GetCashHelp.com are urged to file a complaint with the agency should any problems arise with their loans.
Fair Debt Collection PracticesFor consumers repaying their loans GetCashHelp.com supports all provisions of the Fair Debt Collection Practices Act enforced by the Federal Trade Commission. GetCashHelp.com is not an actual lender and, as a result, does not collect debts from consumers. GetCashHelp.com endeavor to only work with lenders that comply with applicable debt collection laws, rules, and regulations. These include:
Reporting ScamsGetCashHelp.com helps consumers report any illicit lenders and scam artists seeking to take advantage of those in need. GetCashHelp.com will report them to the appropriate consumer protection agencies, such as the Better Business Bureau.
State RegulationsWhile all lenders and GetCashHelp.com follow federal regulations, individual states also have numerous laws for lending within their borders. These include strict adherence to local laws regarding interest rates, rollover limits and fees, maximum loan terms, cool-off periods between loans, presentment limits, and more. Consumers should educate themselves about loan product they desire and the laws, rules, and regulations applicable to the product.
THE INFORMATION PROVIDED ON THIS SITE SHOULD NOT BE CONSTRUED AS LEGAL ADVICE AND IS NOT A SUBSTITUTE FOR QUALIFIED LEGAL REPRESENTATION.
If you have received email directly from GetCashHelp.com and do not wish to receive further communication from GetCashHelp.com you may remove yourself from all our lists by clicking here .
Please be aware that you may have received a GetCashHelp.com email advertisement from one of our permission based marketing partners. All our marketing partners adhere to strict privacy standards and obtain email addresses through sources that adhere to those standards.
If you feel that one of our marketing partners has used your name without permission please contact them directly using the information provided with the ad you received.
If for any reason you cannot contact the advertiser directly, please forward a copy of the email you received to firstname.lastname@example.org and we will attempt to contact the advertiser on your behalf.
Your request to be removed from our email list has been processed.
You will no longer receive emails from GetCashHelp.com.
© 2020 GetCashHelp.com. All rights reserved.
GetCashHelp.com works with both long and short term lenders. GetCashHelp.com connects you to a lender who can provide the cash needed to meet an immediate short-term cash flow problem and isn't a solution for long term financial problems for which long term financing may be more appropriate. This service does not constitute an offer or solicitation for short term loans in every state. This service may or may not be available in your particular state. The states in which this service is available may change from time to time without notice.
THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not make credit decisions, and does not charge any loan request fees. This Website does not constitute an offer or solicitation to lend. This Website provides a service wherein we submit the information you provide to one or more lenders in/and attempt to connect you with a lender. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. Providing your information on this Website does not guarantee that you will be connected with a lender or approved for a loan. The lender may perform a credit check or otherwise verify the information you provide. Not all lending partners offer loans up to $2500 and not all lenders can provide you with the loan amount you requested. Loan amounts are determined by the lender based on individual creditworthiness. All financial terms of the loan will be provided to you by the lender. Loan terms, conditions, and policies vary by lender, state, and form submitter qualifications. For details, questions, or concerns regarding your loan please contact your lender directly. In some situations, faxing or emailing of documents may be required. Cash transfer times may vary between lenders and may depend on your individual financial institution. Loan repayment periods could vary by lender and location.
Borrow Responsibly - A short-term loan is ideally used for short-term financial needs only, not as a long-term financial solution. Late or missed loan payments may be subject to increased fees and interest rates. Lenders may use collection services for nonpayment of loans. GetCashHelp.com recommends seeking credit counseling if you have financial difficulties.
Please note that, while certain lenders may offer up to 36 months to repay a loan, a 3 year repayment period is atypical. Most borrowers can expect a shorter repayment period, it is typical for borrowers to be referred to short-term lending options. GetCashHelp.com encourages you to confirm your loan repayment period with your lender prior to finalizing the loan.
Consumer Advisory: Please beware of overseas call centers posing as this brand or other online brands that ask for an advance payment for a loan. Our lenders will never ask for advanced payments. NEVER pay a lender in advance for a loan.
Most loan request submitters will not meet the lending criteria to qualify for a loan.
RATES & FEES
GetCashHelp.com connects people with lenders who may be able to provide short-term cash loans as a cash advance, payday loan, or installment loan.
To ensure you can pay back your loan in full and on time, it's important to understand the rates and fees associated with your loan. Getting to know the final cost of borrowing can help you budget your money and spend cautiously.
We are not a lender and do not provide short term loans. We provide a loan finding service by connecting Consumers looking for loans with lenders who may provide such loans. Only your lender can provide you with information about your specific loan terms including APR, fees, charges, and repayment period. Ask your lender for their current rates, fees, charges, and policies for non-payment.
The Annual Percentage Rate, or APR, refers to the total cost of a loan on a yearly basis. It takes into consideration the interest rate, the costs and fees associated with the loan as well as the repayment terms. If a lender had no annual fees whatsoever other than the interest charged on the loan, the APR and the interest rate would be the same. Because APR is an annual calculation, it appears very high when applied to short-term loans that are intended to be repaid over a number of weeks or a few months.
Lenders are required by law to disclose the APR to consumers before a consumer loan can be issued. All financial terms of your loan, including APR, fees, charges, and repayment period, will be provided to you by your lender and may vary by lender, state, and your individual creditworthiness.
Good News! Borrowers may qualify for installment loans and personal loans at lesser rates than short-term loans. Most consumers who have submitted a loan request through our service have only qualified for a short-term loan product.
Penalties Based on Late Payments or Non-Payment
Late payment or non-payment of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions and you should review your lender's policies for further information. Lenders understand that unforeseen circumstances may come up. Unexpected life changes such as unemployment or illness can make meeting payment schedules extremely challenging. Your lender may be able to work with you through this difficult time. Contact your lender regarding your situation; they may be able to work with you to create a new repayment schedule or an option to 'renew' or 'refinance' your loan. Every lender has their own renewal or refinancing policy, and these policies differ from lender to lender. You should review your lender's renewal policy.