Xtra Cash is not a lender and does not make loans or credit decisions. Xtra Cash provides a matching service only and is not acting as a representative, agent, or correspondent for any service provider or lender. Xtra Cash does not endorse any particular service provider, lender, nor loan product. You are under no obligation to use Xtra Cash ‘s service to initiate contact, nor apply for credit or any loan product with any service provider or lender. This service is not available in all states.
Consumers submitting an application for a loan at Xtra Cash incur no cost. Xtra Cash does not provide lending services directly to consumers. Based on the application consumers submit, Xtra Cash searches its database housing its vast network of reliable lenders to pair consumers with the lender and loan ideally suited to their needs.
All fees and rate information will be disclosed to consumers by their lender at the time of approval. Upon conclusion of the search and application approval, you will be redirected to an e-signature page provided to you by the lender to which you were matched. This document will contain all fees and rate information pertaining to the loan being offered by a lender from the Xtra Cash network. Consumers are required to review the fee and rate information provided by their lender at this time thoroughly and completely before agreeing to the terms of the loan. Consumers are under no obligation to accept these terms.
If the consumer decides the loan terms detailed in the lender contract are acceptable and wishes to proceed with the loan process, consumer may append an e-signature to the page. Once the consumer enters into a legally binding contract with the lender, consumer assumes all costs and risks associated with the contract. At that point, the consumer is obligated solely to the lender and is never at any point obligated to Xtra Cash. The loan fees and interest rates are determined solely by the lender to which the consumer is matched, with specific amounts determined based upon the application information submitted. Xtra Cash has no bearing on the determination of these fee amounts and interest rates.
Cash advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Consumers are encouraged to consult our Rates and Fees page to learn more about the risks involved with cash advances, local laws and regulations governing cash advances, possible loan alternatives and recent developments in their state.
The states this website services may change from time to time and without notice. All aspects and transactions on this site will be deemed to have taken place in the state of California, regardless of where you may be accessing this site. Xtra Cash does not guarantee that completing an application form will result in you being matched with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender. Xtra Cash specifically does not offer or solicit cash advances in Arizona, Arkansas, Georgia, Massachusetts, New York, Pennsylvania, West Virginia, Virginia, or Ohio. You will not be charged any fees to use Xtra Cash ‘s service.
Service providers or lenders will not require credit scores with the three major credit reporting bureaus: Experian, Equifax, or Trans Union. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. Learn more about Rates & Fees.