Why Borrowers Choose SlickCashLoan

We have processed hundreds of thousands of loan applications since 2017 and established a relationship with over 100+ lenders across 47 states. With a single 5-minute application form, when you apply through SlickCashLoan, you are able to apply for numerous different lending options with the assurance that your lenders will be held accountable by the SlickCashLoan team.

What Sets Us Apart

A Lender Network We Actually Vet

Confident team leader with colleagues in office

SlickCashLoan does not accept all lenders who wish to join its lender network; approximately one-third of those wishing to join are rejected. Each potential lender is evaluated by SlickCashLoan based on the criteria outlined below:

  • Licensing
  • Compliance History
  • Clarity of Terms
  • Past Performance with Borrowers

SlickCashLoan has removed lenders from its network due to problems such as:

  • Fee Disclosure Problems
  • Excessive Complaints
  • Concerns Regarding Collection Practices

In addition to evaluating lenders prior to allowing them to participate in SlickCashLoan's lender network, SlickCashLoan continuously reviews and evaluates its lenders. This continuous evaluation of SlickCashLoan's lenders allows the lenders to understand that SlickCashLoan expects its lenders to adhere to high standards.

If a borrower experiences any problem with a lender, SlickCashLoan investigates such complaints within 48 hours to 1 week after receiving such complaints.

Multiple Lender Options from One Application

When applying for loans on multiple lender sites, borrowers have to fill out a form for each lender. With SlickCashLoan, we can match one 5-minute loan application with lenders that could be a good fit for the applicant's credit profile. The majority of applicants will receive at least one approval offer; many applicants will receive two or more offers, so they can compare their options.

Quick Decision Time, Fast Funding

A borrower is usually informed if they were accepted for a loan within just minutes after they submitted their application. If a borrower is matched with a lender and accepts an offer, the lender will deposit funds into the borrower's account in approximately 1-2 business days; often, it will be the very next business day.

Options For Every Credit Profile

We have a large group of lending partners that will lend based on credit scores from 350-700+. While we can find many lenders who will offer you money with credit scores as low as 400, you must be able to show them you are employed and paid recently. Most lenders use a combination of your income, length of time at the same job, and bank account activity as indicators of whether or not you will make payments on a loan rather than looking solely at your credit history.

While most lenders do not require their applicants to earn over $2,000 per month, there is some variation. The loans provided through our network will fund anywhere from $100 up to $5,000. On average, an applicant's first loan funded will be approximately $700.

What Helps More Borrowers Qualify

With hundreds of thousands of requests processed, we have found there are several trends that occur:

  • Income that is steady, along with recent pay stubs, typically outweighs a credit score when it comes to being approved for a loan.
  • Employment history or a stable work history is a signal to lenders that you are a low-risk borrower.
  • The less debt you have compared to how much you make, the better interest rates you will qualify for on loans.
  • Active checking accounts with regular deposits into those accounts create a very good signal to lenders.
  • When you provide identification and verification of where you live quickly, it creates an even faster approval process.

Do not underestimate income reporting. Many applicants forget to report overtime, bonuses, etc., as part of their total income. Doing so may lead to lower offers or unnecessary denials for approval.

Secure like Banks

Your personal information, including your financial information, will be encrypted using 256-bit encryption, which is the exact same level of security most major banks use. Since our inception over 8 years ago, we have had a spotless security record - no data breaches have occurred. Your SSN and bank account information will never be sold to a third party.

Our Approach to Responsible Lending

We have a serious commitment to responsible lending. This means we provide clear and transparent disclosure of our terms; we work with lenders that are compliant with federal and state laws; and we provide educational content that will help you understand your options and make an informed decision about borrowing money. For example, the Learning Center has over 50 free online guides, such as understanding APR, how to build better credit over time, etc.

It is also important for us to educate consumers on the importance of reviewing all terms of the agreement before signing it, and only borrowing amounts that they know they can pay back by the due date. We also want to remind consumers whether a short-term loan is the best option for them or if there may be alternative solutions.

Ready to See Your Options?

The application process only takes approximately 5 minutes, and there is never any obligation to accept any offer from the lenders in our network. Begin your application today and discover what lenders in our network can offer you.

Note: Our services are available to residents in all 50 United States except New York, Vermont, and West Virginia.