Our 3 main loan options give you the flexible spending funds you need to cover day-to-day expenses, emergencies, and more. Have a question? Check out our FAQs below to see if we have an available answer for you!
How do loans work?
The process varies based on the type of loan you’re applying for, but here is the general format when applying:
- Complete your loan application and receive a quick lending decision.
- Upon approval, review and sign your loan documents, and receive your cash your way. Walk out with cash in hand, funds deposited to your debit card or bank account.
- Pay back your loan as defined in your loan agreement.
You can visit our “process” page to learn more, or call our team today!
How much can I borrow?
The maximum amount you can borrow is up to 4,000 with our Line of Credit and up to 25,000 with our Title Loans. The approval amount from Cash Hub depends on a variety of factors including your monthly income, credit score.
Questions about your loan options? Contact our store or check out our products.
How long does it take to do a loan with Cash Hub?
Applying for a loan with Cash Hub is Simple and Fast. For a Line of Credit, complete an application, provide basic documentation such as ID, income verification, and proof of an active checking account. You could be approved for a loan on the spot – often in just 10 minutes or less. Upon approval, you will receive your cash your way. Applying for a Title Loan usually can be done in less than 30 minutes.
What’s the difference between a Payday loan and a Line of Credit?
For a Payday Loan, you’ll receive a one-time cash advance that you will repay on your next pay date, typically in two to four weeks.
A Line of Credit offers multiple cash advances up to your maximum approved credit limit. This revolving Line of Credit remains open indefinitely for you to use whenever you need.
If I have previously filed bankruptcy, will that hurt my chances of getting approved for a loan?
Previously filed bankruptcy does not necessarily prevent you from qualifying for a loan with us. To see if you qualify, let us help you fill out an application.
Can I use my Social Security, Disability, or Supplemental Security Income to apply?
Yes! These are all forms of accepted income for a loan application.
Can I apply for a loan with bad credit?
We invite you to apply regardless of your credit score. Approval is based on multiple qualifying factors, so even if you have bad credit you could qualify for a loan with Cash Hub.
Do I need a job to apply for a loan with Cash Hub?
No, Cash Hub does not require you to be currently employed to get a title loan or Line of Credit. But you do need to have proof of income (unemployment, disability, retirement income, etc).
What is a Line of Credit?
A Line of Credit is a set amount of funds that are available for you to borrow as needed. Once you decide to use the funds available to you, you will only pay interest on the amount you decide to borrow. As you pay down the principal balance, you can borrow more money (up to your credit limit) as you please, similar to a credit card.
What do I need to have to apply for a Line of Credit?
- To be at least 18 years of age with a valid ID
- A steady source of income
- Open and active checking account
How do I get my money from my Line of Credit?
Once you have been approved for a Line of Credit, you can then choose how much cash you wish to draw from your available credit limit, and can walk out with cash in hand, or have money deposited to your bank account or debit card.
How often can I request cash from my LOC?
As long as your balance has not exceeded your credit limit, you can make as many cash advances whenever you want. Your Line of Credit Agreement will give details on the minimum amount required to process a cash advance.
What if I can’t make my payment on my LOC?
If you think you won’t be able to make your payment, please contact us at 316-722-3801 so that we can assist you with payment options on your account.
What do I need to apply for a Title Loan?
- A vehicle/motorcycle in driving condition
- At least 18 years old with a valid ID
- Proof of address
- Proof of income
- Clear Title in your name or proof of 1st Lien in your name (if still making payments on your vehicle)
If approved, you get to use your vehicle, once you pay off your account balance you get your title back.
What does it mean to have a clear title?
A clear title simply means that you fully own the vehicle. There are no outstanding liens, and the title is in your name. The title doesn’t show Salvaged or Rebuilt.
Do I need to have a clear title to get a Title Loan at Cash Hub?
At Cash Hub it is possible to get a Title Loan without a clear title. This means you could still qualify for a Title Loan even if you are still making payments or owe money on your vehicle.
Do you run a credit check when I apply for a Title Loan?
We do complete a credit check when processing your application. However, we work with customers of all credit backgrounds. While we may use your credit in determining your loan approval, you may qualify for a Title Loan despite having bad credit depending on your income and ability to repay the loan.
What if I can’t make a payment on my Title Loan?
We are here to help. If you think you won’t be able to make a payment, please contact us to see what we can do to assist.
Have Another Question?
Our team is here to help make the loan application process seamless and simple. If you have other questions, call Cash Hub in Wichita, KS, today at 316-444-5505.
