If you’re in a financial bind between paydays, getting the money you need can be a challenge. iCashLoans can link you to a short-term loan from its wide network of lenders. Read on to learn more about iCashLoans.

What is iCashLoans?

iCashLoans is a lender-connection online service that streamlines and simplifies the loan application and search processes. You can begin identifying lenders you need by filling out a quick form on their website. You won't get charged for this service; instead, the lending partner pays iCashLoans a fee for its assistance in boosting their customers.

The state may regulate lending practices, but iCashLoans lenders set the interest rates and other terms.

What services do iCashLoans offer?

It is simple and quick to borrow money online with iCash, a secure service that connects borrowers with short-term lenders.

Personal loans

Among other advantages, iCashLoans connects you with prospective lenders if you require quick cash to bridge the gap between paychecks. Your reasons for applying for personal loans could be due to emergencies, such as:

  • Auto repairs.
  • Unforeseen medical costs.
  • Family vacation.
  • Home improvements.
  • And more

They also offer debt consolidation loans to help people with fair to good credit in paying off their debt and improving their credit scores simultaneously.

Connecting service

To find potential lenders, you can use the tools on the iCashLoans platform. You have many options because iCashLoans is associated with over 100+ lenders.

Simple application

iCashLoans provides streamlined access to numerous lenders. Just apply to connect with a lender who fits your needs.

Quick funding

While processing times differ depending on the lender, you might see money in your bank account as soon as 24 hours after approval.

Automated loan repayments

They have automated withdrawal from your bank account. You can avoid late fees and possible penalties.

No harm to credit history

Lenders from iCashLoans frequently check your credit using alternative sources, such as Teletrack and DP Bureau, without affecting your FICO credit score.

How does iCashLoans work?

Connection loan services like iCashLoans serve a useful purpose in the lending industry. Your information is collected quickly and easily, then sent to their reputable banks and lender network.

Your application is then reviewed by these lenders, and you receive an offer. The offers are gathered by iCashLoans and presented to you, giving you a range of options.

Although the direct lender will need to get contacted for specific loan information, iCashLoans provides enough information for prospective borrowers to do comparison shopping.

iCashLoans receives payment from the network of loan companies/ lending partners to help them acquire borrowers – this is how the service generates revenue. Using iCashLoans as a borrower is free. Additionally, you are never under any obligation to accept or agree to any offer that iCashLoans makes.

iCashLoans steps back after you've found the loan you want and accepted the terms of the agreement. Until you're ready to apply for a new loan elsewhere in the future, the business is solely between you and the lender.

The pace at which loan connection services operate is another fantastic feature. Completing the applications is simple. Offers that iCashLoans makes will remain consistent as you do business with the direct lenders if you are honest with your application. Each question gets fully explained and displayed one after the other.

You can get in touch with their reliable customer service to help you get started on iCashLoans if you still need assistance.

Even if you have poor credit or a bankruptcy on your record, you might still get accepted for a short-term loan. The lender and state will determine more specific eligibility requirements.

The requirements

Qualifying requirements include:

  • You must be a citizen or lawful permanent US resident.
  • You must be at least 18 years old.

The steps

You must fill out a brief application on iCashLoans, which only requires your desired loan amount, ZIP code, and email address. To complete the application, you must provide:

  • Your full name and contact information.
  • Your contact number.
  • Your identification number from a government-issued document, such as a license.
  • Your bank account details.
  • Your employer's name and contact details.
  • Information whether or not you own your home and how long you've resided at your current address.
  • Your military service history, if any.

You might be asked for more information by lenders if they have any doubts about the accuracy of the data or if it isn't conclusive. This includes proving your employment and demonstrating a consistent monthly income of about $1,000 after taxes.

Rates and fees

Complete disclosure

At approval time, the lender informs you of all fees and rates.

  • Loan amount: Your funds may get approved within 24 hours. The minimum loan amount is $100, and the maximum is $1,000. Some lenders may offer up to $5,000.
  • Varying policies: These include varied term lengths, APRs, and fee structures.
  • Delayed payments policy: Read the loan documents carefully to understand the late payment policy.
  • Policy on nonpayment: If you can’t pay back your loan, you may be subject to additional fees or charges.
  • Policy for Loan Renewal: State regulatory law governs how loan renewal policies are implemented.

Repayment terms

The lender informs you of all fees and rates during approval. Since iCashLoans works with numerous networks and lenders, it's hard to predict loan terms. Moreover, whether you can pay off the loan sooner based on your contract depends on the lender. Check the policies for any potential fees or penalties you might have to pay. The majority of lenders let you set up autopay.

Pros & Cons


  • Quick and easy application
  • Good customer service
  • Fast funding and high approval rates
  •  Bad credit ratings get approved
  • Complete transparency and integrity
  • No-Paper Loan
  • Reports payments made to the three main credit bureaus


  • They are not a direct lender
  • APRs may be very high, based on the lender you are linked with
  • Lenders are varied, and terms are not uniform

Note: Before signing an agreement, review all policies, conditions, and fees.


Is it risky to apply for iCashLoans?

Your personal information is protected by the cutting-edge 256-bit SSL Secure Connection encryption technology. 

In addition, a section of their homepage alerts visitors to fraud warning signs and state that iCashLoans never demands a deposit or payment to link you with a lender.

How does iCashLoans compare to similar products?

Loan connection services are available almost everywhere, but not all of them are as reliable as iCashLoans. 

Many of these platforms have too many ad campaigns and misleading lenders. iCashLoans, on the other hand, is all about transparency.

Until you move on to the official lender you have agreed to borrow from, iCashLoans keeps everything contained. This is one way they differentiate themselves from the rest of the pack.

With iCashLoans, you'll also have more access to lenders than you would with others. You have more than enough companies to review your loan and make an offer with the 100+ lending companies on board. They are all verified and trusted by iCashLoans.

iCashLoans claims to have served over 4 million customers so far. That's a sizable customer base and solid evidence of a flourishing and trustworthy enterprise.

Can you still get a loan if you have a bankruptcy or bad credit history?

Generally, personal loans are available to borrowers with good credit, though each lender or lending partner has different underwriting standards. For those with poor credit, applying for a short-term loan may be an option.

If iCashLoans can't locate a lender or lending partner who can provide you with a personal loan in the desired amount, they will look through their network of short-term lending partners to see if they can locate one for you.

How much are you able to borrow?

Your state of residence, applicable legal restrictions, and the amount a lending partner is willing to lend you will all be considered by the lender. Their network of lending partners offers numerous loans ranging from $100 to $5,000.

About the author Greg Lorenzo

Greg is a financial expert who has been advising his audience on loans for over 10 years. He has a wealth of knowledge and experience in the area, and he is passionate about helping people get the best possible deal on their loans. Greg is an expert in negotiating loans, and he has a proven track record of getting his clients the best possible terms. He is also a strong advocate for financial literacy, and he regularly gives workshops and seminars on the topic.

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