How it Works

Requesting a personal loan is easy with 35cash.com. Fill out one easy form on 35cash.com and your inquiry will be submitted to our large network of lenders and lending partners. Loan amounts range from $100 to $5,000 (exact amounts vary based on lender or lending partner programs and your state of residence). You can have a response from one of our lenders and lending partners the same day, and often within minutes. Once your loan is approved, you will be redirected to the lender or lending partner's website where you can review the terms of the loan, including details about all the applicable rates and fees. If you accept these terms, the lender or lending partner will deposit money directly into your bank account as quickly as the next day.

Most lenders and lending partners have the following requirements to be approved:

To be accepted by most lenders and lending partners in our network, you should:

  • Be employed at your present job for at least 90 days.
  • Be a US citizen or a permanent resident, and over the age of 18.
  • Have an income of around $1,000 per month after tax deductions.
  • Have a checking account in your name.
  • Provide a working telephone number for your home and work.
  • Provide a valid email address.

Quick Inquiry Process

Through our secure technology, we will find a lender or lending partner in our network that is willing to take work with you based on the information you submit. Once we have a lender or lending partner ready to work with you, that lender or lending partner will contact you to get any additional information they might need (such as verification of employment, pay stubs, etc.).

Cash Sent Directly to You

After your lender or lending partner has taken and approved your request, cash will be deposited directly into your bank account. That means you don’t have to take a trip to the bank to endorse and deposit a check or pay check-cashing fees.

Private and Secure

We use industry-recognized security and advanced encryption technology to protect your personal information.

Automated Repayment

If you authorize your lender or lending partner to take payment via automatic withdrawals (known as "ACH transfers"), then your loan payments will be paid automatically directly from your bank account. This means each payment will be on time and you won’t have to worry about missing any payments or incurring any late fees.

Late Payments

Late payment policies can differ among lenders and lending partners. Please make sure you read and understand the loan agreement and your lender’s or lending partner’s late payment policy before accepting the loan. In some states, late fees may be limited by law. In other states, late payments may allow the lender or lending partner to charge late fees and may accelerate the loan making it due in full immediately.

NOTE: Before agreeing to a loan, please make sure you can make your loan payments in full and on time. We support the responsible use of personal loans and recognize that nobody knows your situation better than you.

Loan Extensions

State law may limit or prohibit a lender’s or lending partner’s ability to extend or "roll over" your loan. Consult with your lender or lending partner if you need a loan extension.

Loan Default

If you can’t make your loan payments on time, you may be in default of your loan obligations. If that happens, your lender or lending partner may try and secure repayment from you using debt collection methods that are professional, fair and in compliance with the law. lenders and lending partners should always follow the Fair Debt Collection Practices Act guidelines when attempting to collect loans in default. Late payments and loan defaults may adversely affect your credit and may make it difficult to obtain future personal loans.

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