CashLand Loans Review

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CashLand Loans is a lending company that has been operating for over 15 years in the United States. They first began operations in Ohio, but it wasn’t for giving loans. Instead, they focused on being a quick check cashing company. After that, they were able to expand their business due to their loyal customers and positive reviews. CashLand focuses on providing instant credit lines for people in need. They are not a payday loan company but instead provide credit loans.

We’ve checked their company and looked at all the positives and negatives. To get a better understanding if CashLand is suitable for you, we’ll give you a review. Here’s what we’ve found about the company;

Credit Loan Lines

Instead of providing instant payday loans, they focus on giving you a line of credit. You can use the credit line for anything you desire. There are no limits to what you can purchase. It works similarly to a credit card.

At the end of the month, you will be billed a minimum payment. There’s no set limit for customers. This is good for people lacking credit or doesn’t have a steady income. Although, you may not be approved for an extensive credit line if you can’t provide stable income.

What’s It Like Borrowing Funds From Cashland Loans?

Borrowing money from CashLand Loans is a bit different from other types of loan companies. Instead of getting funds deposited into your account, you can withdraw money from a credit line.

As long as you pay off the balance, you can continue using the credit line. You won’t have to reapply for a new credit loan. So, in a way, it works similarly to a credit card.

To apply, head to the CashLand Loans website and input your personal information. Once your application is approved, you will be sent a contract and then given a credit line account. Payments are due monthly, but you can pay off the credit line whenever you like.

Is There a Maximum and Minimum Amount You Can Borrow at Cashland?

The credit line doesn’t have a set maximum or minimum. Instead, the balance will decrease or increase based on the funds borrowed or repaid. You can get approved for higher funds if you keep using the account and pay on time each month.

Are There Any Associated Rates or Fees with Cashland?

CashLand Loans is a loan company, so expect them to have extra fees and rates. For every transaction, there will be a 20% transaction fee with a 9% APR. Compared to payday loans, you’re getting a good deal on the credit line.

Nonpayment and Late-Payment Consequences at Cashland

CashLoan works similarly to a credit card company. If you don’t pay your minimum payments, your account will be reported as delinquent. Additional fees will be added to your credit line, informing you of the credit bureau.

Is CashLand Loans A Legit Company?

Yes, CashLand is a legitimate loan company. They have a storefront located in Ohio. Plus, further research has shown us that companies such as the Better Business Bureau have no complaints about the company.

How to Apply Step-By-Step for a Cashland Loan

Before you can even apply to a loan, you must live in an eligible state. Aside from that, Cashland Loans may have other criteria that you need to meet; otherwise, your application will get rejected. We’ve highlighted those requirements in the next section.

Here are the next steps you need to take to apply for a loan from Cashland Loans;

  1. Head to the Cashland Loans website and click on their “apply for a loan now!” button.
  2. From there, you’ll have to create an account and provide some minor personal details.
  3. From there, you will have to wait for a Cashland Loan representative to contact you.
  4. Once you hear from them, they will go over the proposed terms and details with you. This is when you can request the type of loan and loan amount.
  5. After that, you will need to wait up until three business days for the credit line to be up and upon. Sometimes the line may be qualified for the same-day. However, this requires that you pass all their minimum requirements and criteria.
  6. Once the funds are deposited into your account, your repayment schedule will begin. Keep up with payments and contact the company any time you think you may miss a payment.
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Borrower requirements
  • Age 18years or older
  • Have regular income
  • US citizen or permanent resident
  • Have a valid bank account
Obtaining methods
  • Bank account
  • Credit or Debit card
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Requirements for Being Eligible for a Cashland Loan

Yes, Cashland Loans does require that you meet specific standards. First, you must have verifiable income. This income should be able to be demonstrated by official documents that can’t be forged. This includes any pay stubs, bank statements, or even CPA certified papers. Another common one is W-2 papers or your previous taxes.

Aside from that, you’ll also need a valid bank account or prepaid card. This is important because they need to verify whether you have enough space for the deposited funds.

The third requirement is that you be a legal United States citizen, own an SSN, and be over the age of 18. If you do not qualify for the above requirements, your application will be automatically rejected.

The eligible States Where You Can Qualify for a Cashland Loan

Cashland only operates in the state of Oklahoma. It’s where their first physical branch started, and they continue to branch out into more stores. If you don’t live near one of these places, you won’t be able to get funds from them.

In Oklahoma, they have ten conveniently placed locations. You can walk into the store and have your application approved with funds in hand in as little as 20 minutes. Use their website page store locator to find a Cashland near you.

How to Get a Personal Loan Online?

To get a loan online from Cashland, you will need to fill out a form. This includes providing personal documentation of specific information. Some of the expected information you should keep on hand is:

  • Personal Information (full name, date of birth, etc.)
  • Contact Information (phone number, email address, mailing address)
  • Proof of Income (pay stubs, bank statements, taxes, etc.)
  • Social security number (SSN)
Advantages of CashLand Loans
  • Quick Approval ;
  • No Application Fees ;
  • Early Payment ;
  • Secure Personal Information ;
  • Direct Lender ;
  • Accepts Low Credit ;
Disadvantages of CashLand Loans
  • No personal loans ;
  • High APR ;
  • Delinquent fees ;
  • Reports to Credit Bureaus ;

Can You Walk-In to Get a Loan From Cashland Loans?

To get a loan from a physical Cashland store, you’ll need to have a bit of information with you. If you want the fastest results possible, you’ll need to have all information and documents on hand before walking into the store. Here’s what you should bring with you:

  • Personal Information (full name, date of birth, etc.)
  • Contact Information (phone number, email address, mailing address)
  • Proof of Income (pay stubs, bank statements, taxes, etc.)
  • Social security number (SSN)
  • Proof of Identity (state-issued ID, driver’s license, passport, etc.)

Cashland Customer Support Information

Cashland is only available in Oklahoma, which means all physical stores operate in central daylight time. All ten of their locations are open from Monday to Friday from 9 am until 6 pm. They are closed Sundays, but open Saturdays from 10 am until 2 pm.

Their representatives can help you with several issues. This includes setting up an account, submitting an application, and even making payments. However, if you don’t have an urgent matter, you should opt to send an email.

For their customer support, send an email to [email protected] This is the Cashland Corporate Office. They will send you to a representative in your area. If you need to contact them via phone, call 1-405-748-5510. Alternatively, you can use their online “Contact us” page that requires you to fill out a quick form stating the reason for contact.

Our Conclusions

Cashland is a good loan company if you live in Oklahoma City. However, if you don’t live anywhere else, you’re not going to qualify for the loan. As with any loan service, you’ll also be limited to state laws about how much you can borrow.

The company itself works hard to get you the money you need. However, it mainly comes in the form of a credit line. While this can be used on anything you want, it’s not the same as having physical cash or funds put into your account.

The most significant benefit we can see to using Cashland is that their APR rates aren’t that high. Although, keep on the lookout for their transaction fees. We’d only recommend using the line of credit for emergencies or once in a while purchases.

Overall, we believe that Cashland can be an excellent choice for many. Their approval process is quick and can get you a credit line the same day. If you live in the city, you can quickly get the entire approval process done within 20 minutes. That being said, you should still weigh the pros and cons of using Cashland yourself.

( 77 votes, average: 7.6 out of 10)