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  1. What is a payday loan?

    FAQ For Instant Cash Loan

    It's a short term loan that gives you some extra cash when you need it before your next payday! The amount is usually between $100 and up to $1,000 but some lenders lend higher amounts as installment loans.

  2. How do I qualify for a payday loan or cash advance?

    It's actually very easy to be approved for a payday loan. You only need to:

    • Be in your current job for at least 90 days

    • Be 18 years of age or older and a citizen or permanent resident of the United States

    • Have a take home pay of at least $1200 to $1400 per month after taxes

    • Have a current home and work phone number and valid email address

    • Generally, active military can not get a payday loan

  3. How do I get the money?

    After your cash advance is approved, the money is deposited electronically directly into your checking account.

  4. How much money can I get?

    You can apply for as little as $100 and as much as $1,000 or more. The amount you are approved for will be determined by the lender assigned to your application.

  5. Can I still get a loan if I have bad credit or a bankruptcy?

    Bad credit is ok.
  6. How long does it take?

    As little as 4 minutes to fill in the application!

  7. Do I need a fax machine or printer?

    No, you do not need a fax machine or printer in order to use itzoo.info. Some individual lenders we connect you with may require that you fax them additional information as part of your loan, such as a copy of a recent pay stub or bank statement. It is always wise to print your loan agreement for your records. However, it is not required in order for you to receive loan funds. Many office superstores like Office Depot, Office Max, Staples and other stores offer fax and printing services if you do not have access to a fax machine or printer.

  8. How much does it cost to use Cash in a Snap?

    Using itzoo.info is completely free. You can review your offer from our lenders without any kind of fee or obligation. There is no cost until you actually agree to a loan agreement with the lender you select.
    The fees of your loan will vary depending on the amount of your payday loan and your lender. Your lender will notify you of the exact fee for your loan at the time your application is submitted. You should know that payday loans are designed for your emergency cash needs and are frequently less expensive than check fees, late charges and other costs you might pay due to late payments. Always borrow responsibly.

  9. If I already have a payday loan outstanding, can I still qualify?

    Yes, however it may depend on the state you are applying from. Some states do not allow more than one payday loan for the same person. Lenders will check third party bureaus to see if you have any payday loans that are still outstanding but this will not be reported to the credit bureaus.

  10. When do I repay my loan?

    Usually, the loan amount and loan fees are withdrawn from your checking account automatically on the due date of your loan. You won't need to make any payments or visit any store as the payment is usually withdrawn directly from your bank account. You can request an extension, if you need it, by contacting your lender before your due date. Additional fees do apply to loan extensions and vary depending on the lender.

  11. Can I check my loan status at Cash in a Snap?

    No. Cash in a Snap does not make loans but refers you to our high quality lenders whom we have carefully selected to service you. All loan information can be obtained from your lender.

  12. How do you protect my private information?

    Your privacy is protected by our state-of-the-art security technology. Every piece of information is securely encrypted to ensure your complete privacy and security. Our servers have triple protected firewalls. You can find more details by reading through our Privacy Policy.

  13. What if I can't repay my loan?

    Immediately contact your lender about repayment problems of any kind in order to find a solution working directly with them. Additional fees and penalties may apply if you do not repay your loan on time.

  14. Can I get an extension for repaying my payday loan?

    Lenders may grant a loan extension, which is known as a ‘rollover'. There are some states that restrict rollovers and others that allow multiple rollovers. Your lender can tell you about your ability to receive an extension. If you will need to request a rollover you should immediately contact your lender before your loan due date. If you are late making your payment a lender may charge additional penalties or fees and may request immediate payment on your remaining balance.