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One Click Cash Reviews

One click cash is an online lending company specializing in short term payday loans. The company is a subsidiary of SFS, Inc., a company established by the Santee Sioux Nation of Nebraska. Providing a quick and simple application, combined with a smooth approval process, sets this lending company apart. Paying off the initial loan increases the likelihood that future loan amounts will be increased. Website: oneclickcash.com

An online lender, One click cash offers quick, convenient loans to customers with a bad credit score or none. Since the application process is easy, it takes a short time to complete and submit it. Your submitted, completed loan application is sent to the processing depart to be reviewed.

If no additional information is needed and your short term loan is approved before 2:30pm CST, the funds are deposited into your account by the following business day. In case your funds are delayed further than that, your loan may have been approved after 2:30pm CST.

Your loan approval is communicated via email to the email address provided. The email includes details on estimated fund date and a summary of loan terms agreed to in the application.

One click cash was founded by the Indian tribe The Santee Sioux nation of Nebraska, in an aim to maintain their culture and advance economic opportunities for future generations. It provides a quick application process, with funds available in your account within 24 hours if you are approved.

To receive funding, apply on their online platform, by filling in an easy application form. Once this is done, review and electronically sign your documents. If you qualify and are approved, you can receive your cash within 24 hours.

Once your application is submitted, the company uses certain guidelines combined with the information on your application to determine the amount you qualify for. Upon successful payment completion on the initial short term loan, you qualify for an increment in future loan amounts.

One click cash provides two repayment options to their borrowers. You can choose to pay the loan in full on your next pay date or set up an individualized extended repayment schedule. The second option is ideal for those who are unable to complete their payment in one go. You can customize an extended repayment schedule to best fit your needs repaying your loan as preferred.

Extending your loan repayment means that you incur additional charges leading to a higher loan amount by the end of your payment term. The company requires you to sign an agreement confirming the extended repayment schedule. In case you would like to, you can pay up your loan earlier before the extended repayment schedule without extra charges.

To qualify for a loan with One click cash, you need to meet all the following minimum requirements.

  • You have to be at least 18 years old
  • You must possess an active checking account
  • You must have been in employment for at least a month or receive such an equivalent income recurring for 1 month minimum
  • You should be earning at least $800 USD per month but minimum income requirements differ according to country
  • You must provide at least two personal references

Note that, other extra requirements may be requested of you during the application process. Proof of income may be required before your application can be approved.  This may include copies of latest bank statement showing income deposits, a pay check slip or government benefits award letter.

One click cash is an online lending company that helps you access cash quickly. Once you apply, the application is reviewed by the loan processing department. When approved, you receive an email informing you of the loan terms and when to expect the funds.

You are provided two loan repayment options, paying in full and customizing an extended payment schedule. If you choose to pay in full, the payment is expected on your next pay date and is deducted from your checking account.

Setting up an extended repayment schedule is convenient and flexible but leads to higher loan payment in the end because of extra charges. You can also opt to pay up early on your extended schedule at no extra cost. An additional agreement is necessary to confirm your extended payment schedule.

In an extended plan, there is a maximum number of times you can pay only the finance charge, before you are obligated to start paying the principal. If the maximum number is selected, three finance charge payments will be expected before you begin payments on the principal balance.

Missed, late or returned payments will incur additional charges and can cause your account to be surrendered to the collection department. One click cash is only regulated by federal law and the Santee Sioux nation of Nebraska. The company is not governed by state law because they possess sovereign immunity.

It is not clear the exact fees charged on the short term loan offered by One click cash. However, the finance charge on your loan is based on the loan amount qualified for. Setting up an extended payment plan increases these charges.

The interest rate charged on the loan is dependent on the initial loan amount awarded. It is also affected by whether you choose a one-time payment or an extended payment plan. The APR charge will be displayed on the last page of your agreement form before you sign.

The financial charges on the initial loan cannot be reduced. If you select an extended payment plan after receiving the loan, you will pay extra funds towards your principal balance, and lower the periodic finance charges on future payments.

  • A quick and easy, online application process
  • A choice of two repayment modes and the capacity to customize payment according to your budget
  • Availability of funds 24 hours after application if approved before 2:30pm CST
  • You can apply and receive a loan even when your credit score is bad or you have none.
  • Loan approval confirmed quickly via email
  • Qualification for increased future loan amounts upon successful completion of initial loan
  • Reviewing and electronically signing supporting documents eliminating the need for paperwork
  • You can choose to complete paying for your extended repayment plan at no extra cost.

Company is an online lending company with no physical stores. It is currently not clear which states they operate in.

One click cash does not provide any discount codes for their customers.

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