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MyCashTime

MyCashTime

MyCashTime Ratings & Reviews

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MyCashTime is a financial service currently offering payday advance loans to the residents of Texas. Often times, people find themselves in need of cash. Unexpected circumstances may arise where a payday loan can be beneficial. MyCashTime can help with these situations, by offering a loan ranging from $100 to $1000. A payday loan or cash advance is a short-term loan, usually lasting for about 14 days. The loan must be repaid in full upon the customer's receipt of their next paycheck. When a payday loan application is submitted, the approval process takes a few minutes. In most cases, the cash funds are available in your checking or savings account the next business day. If the application is processed early enough in the day, some customers may be able to access funds that same day. MyCashTime offers a simple and fast online application form, which can be accessed by visiting the company website at www.mycashtime.com.

The money from a payday loan can be applied to any expenses. The reason for applying for the loan does not need to be disclosed. The process is quick and easy, allowing customers access to cash funds in a time of need. To begin the loan process, customers must fill out the online application form. The application only takes a few minutes to fill out. Approval is usually instantly. Once you have been approved for the loan, MyCashTime will require some documents to be faxed before the funds are transferred into your account. The great thing about payday loans is that you do not need perfect credit or collateral. These loans are a fast and simple way to obtain cash funds in emergency situations.

There are some requirements that must be met in order to be considered for approval. Applicants must be over the age of 21, have a valid checking account that is in good standing, and have a source of steady income. It is necessary to have a checking account since that is where the funds will be deposited upon approval. MyCashTime does not run a credit check on customers. They consider your employment history and banking as a credit check. Some people may feel uncomfortable entering personal and financial information through the online application. If you have privacy concerns and wish to process an application in person or over the phone, a customer service representative may be contacted. The toll free number is 1-877-533-6500. A customer service specialist will be available during normal business hours to answer any questions and assist you with the application process. If you have other concerns or questions about payday loans, you can also send an email with these questions to customer [email protected] Most emails will be responded to within one business day. MyCashTime also has a live chat option available on the website. This is a great way to immediately receive answers and address any concerns.

The minimal requirements mentioned above must be met in order to be considered for a loan. In addition, the checking account has to be active for at least three months. This means that there must be transactions made regularly.

Customers are also required to have held their current job for three months and be able to show that they have deposited at least $1000 per month. This assures MyCashTime that customers will be able to repay the loan when it is due. When the online application or phone application is complete, customers will then be asked to fax a copy of their most recent pay stub and bank statement to 1-877-533-6514. Again, this is to verify employment and the ability to repay the debt.

MyCashTime does offer extensions on payday loans and advances. If you realize you will be unable to repay the loan in full on the due date, you must contact customer service at least two days before the amount is due. There will be additional fees applied. There are payment options that make repaying the loan a simple and hassle free process. It is possible to take part in a pay-down program, which consists of a set payment each pay period. This will mean that the loan will last longer than the typical 14 days, but allows customers the extra time to repay the loan.

MyCashTime employees are there to assist you and make your experience a positive one. This company understands that financial situations arise. The payday loans offered are a solution to those rough times, providing customers with a way to manage their finances by use of a short-term loan. These loans are not intended for repetitive use. However, once an original loan is repaid in full, customers are able to apply for another loan at any time. To find out more information about the loans and services offered, visit www.mycashtime.com.