Frequently Asked Questions
At CASH IN A WINK, you can receive up to $400 on your first loan. After paying off
your loan you may be eligible for a larger loan. Get the cash you need by clicking
the Apply Now
button at any time.
- You must be a US resident
- You must have a checking account.
- You must have a steady income.
- You must have direct deposit setup for the checking
account named on your application.
- You must have a working home/cell phone number and
valid work number.
- You must not currently be a debtor in a bankruptcy
case or presently intend on voluntarily file for bankruptcy relief.
Once you have spoken with a loan specialist, your loan amount will be deposited
into your bank account by ACH the next business day (if approved in sufficient time
on the current business day to meet the ACH transfer cutoff time).
In most cases, you will have to pay ONLY the finance charge on your next
payday. If your payday comes sooner than 4 days, it will be the following
payday. A normal loan duration is no less than 4 and no more than 17 days.
You may also choose the option to partially payoff your loan or to payoff in full.
If you choose one of these options, you must notify us at least three business days
prior to your loan due date.
What if I cannot repay my loan by the due date?
- Renew the loan:If the loan has not been renewed the maximum of
4 times, you can renew your loan. Under
this option we would just collect the finance charge on the due date. You do not
have to notify us if you will renew the loan, as we will do it for you automatically.
- Workout the loan: If the loan has been renewed the maximum of 4 times,
you can workout your loan. Under this
option we would just collect the finance charge plus 10% of the original loan amount
rounded to the nearest $10 increment on the due date. You do not have to notify
us if you will workout the loan, as we will do it for you automatically.
- Pay Off the loan: Pay back the loan in full plus the finance charge on the
due date. (You will need to contact us by e-mail or phone.)
- Partial Paydown: Pay back a portion of your loan plus the finance
charge. This is a convenient way to pay back your loan over a longer period of time
and reduce your fees. (You will need to contact us by e-mail or phone.)
If you do not choose a payment option by 4 PM EST three
days before your loan is due, and we cannot contact you, we will assume you want
to renew or workout the loan (option 1 or 2).
Congratulations! You won't be disappointed. Click Apply
and complete the online application.
You may click Contact Us
and one of our loan specialists
will be glad to answer any of your questions.