44 Cash, found online at 44Cash.com, is a loan matching service that specializes in personal loans, a type of loan that they range between $1000 and $5,000 depending on your personal circumstances.
How Does It Work?
44Cash.com does not actually supply borrowers with the money themselves. Instead, they claim that their users are benefitted by a system of competition, where they submit all their important information that is taken into account by lending institutions to their website, where it will be distributed to the institutions that will actually be responsible for providing you with a loan.
People who are hoping to borrow a short term loan through their website should know that while they do pride themselves on working with people who may not have the best credit and would otherwise have difficulty receiving a loan, there are some requirements that their lending partners need people to meet.
Borrowers must be at least 18 years old, a United States citizen, and have been employed in the same job for a minimum of 90 days at the time they request their loan. They must also have an active checking account in their name, a monthly income of at least $1,000 after taxes, and be able to provide them with a telephone number for home and work, as well as a valid email address.
Once your loan information has been evaluated by their partners and you have successfully received loan offers, it is important that you go through all the Terms and Conditions of the loan, ensuring that you understand all the legal requirements you are agreeing to if and when you accept the money they are offering you.
Using this website is completely free, but the cost of accepting a personal installment loan depends on many different factors, including how much money you have borrowed, the length of time you take to pay it back, and the interest rate that is being applied. In addition, borrowers will want to pay close attention to agreements that will apply additional fees or charges during the term of your loan for actions like late payments, loan extensions, and more.
Personal installment loans do not have Refund Policies, but they may have periods during which they can canceled and the borrowed money can be returned without any payment of interest or penalties. Customers should speak directly to the lender or check to see whether this information is included in the terms of the loans that are provided to you.
Customer Service Contact Info
Customers who are interested in contacting Customer Service with questions, concerns, or complaints can do so by submitting them directly to their website through their Contact Us link.
Unfortunately there are not many reviews available from customers and borrowers at this time. However, there are certain things to consider about this company before deciding to work with them to find a lender.
First, 44Cash.com will connect borrowers with lenders of all kinds; their lenders are not limited to well-respected financial institutions. If you wish to borrow a small enough sum, or your credit or monthly income is low enough, the lender you get matched with may be a short term lender or “payday lenders.”
These types of short term lenders are extremely controversial for the high interest rates and fees they apply to their loans, which is why some states ban their operation. If you are offered a loan from one of these lenders, it will be even more important to make sure you understand all the terms, fees, and rates involved in borrowing money from these institutions.
Competitors and Alternatives?
There are many different websites that offer this same type of free service, where they match up borrowers with qualified lenders, including PersonalLoans.com, ClickNLoan, BetterLoanChoice.com, Speedy Net Loan, and many more.
If you have experience with this company or their products, please leave your 44Cash.com reviews below.