No collateral is necessary or accepted for our cash advance or installment loan product. Collateral is needed for our title loans and it must be a free and clear title registered in Florida.
You can email us your documents to customer_service@rapidcashonline.com. Also if you are using a phone to complete the application you will need to disable your pop up blocker on your phone to finish the e-sign of your agreement.
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For a cash advance, it does not matter if you have bad credit or no credit at all. Our loans are designed to help people in need of emergency credit, so we understand that you may have had credit troubles in the past.
All you need is to be employed or have proof of income, be a US citizen at least 18 years of age and have an active checking account. Members of the military and those who have recently filed for bankruptcy are not eligible for a loan.
At Rapid Cash, we give you options when it comes to how you want to apply for a loan. You can visit us at any one of our Store Locations and receive your money in person within minutes. Because we are flexible, you can also Apply Here, and fill out an online loan application. This gives you the convenience you need to get your loan directly deposited into your bank account without leaving your home. Online loans are usually deposited into your bank account within 24 business hours.
A cash advance (also known as a payday loan) is a short-term loan, often utilized to cover unexpected expenses. Cash advances usually incur a flat fee. These fees, along with your borrowed amount, are to be paid on your next pay day.
Installment loan has a fee of 208% APR plus $5 verification fee.
Payday loan is 10% and $5 verification fees.
Auto Equity Loan is 30% APR up to $4000, 24% APR over $4000 up to $5000.
There are multiple reasons the bank verification step may not be successful. Below are the most common errors and tips for success:
Most common errors –
| Error | Description | Solution |
| Invalid / Incorrect Credentials | User incorrectly entered their credentials | Verify your credentials are accurate and attempt the process again. |
| Invalid MFA (multi-factor authentication) | User incorrectly submitted answers or codes for multi-factor authentication. | Re-enter the MFA selections, code, or question answers. Verify your information is up to date and accurate by logging into your online bank account. |
| Account Locked | User’s account is locked. Most commonly due to entering credentials incorrectly too many times. | Contact your financial institution or log into your online bank account to resolve the issue and unlock your account. |
| Account Not Yet Authorized for Online Use | User’s online bank account is not fully set up at their financial institution. | Contact their financial institution or log into your online bank account to complete setting up your account. |
| Account Not Supported / No Accounts Available | The type of account with your financial institution or the type of MFA used is not supported. | Attempt to connect with a different type of account, specifically the checking account that receives the majority of your direct deposits. |
| Institution or Service is Down, Not Responding, Not Available | Bank or provider is temporarily down, preventing user from connecting their account. Most commonly due to website maintenance. | Attempt to connect at a later time. Verify your banking institution is no longer down, by contacting or logging into your online bank account. |
Bank Verification is a quick and secure process that provides Rapid Cash with a read-only snapshot of your recent banking transactions to help us verify your identity and financial information. By logging in with your online banking credentials, Rapid Cash is able to process your application faster, getting you a decision as quickly as possible. Your information is secured by industry-standard protections by our partners and Rapid Cash will never be able to view your login credentials.
The receipt of your funds will vary based on the time at which your application was approved. You will receive an email notification once your loan is approved.
Monday through Thursday: If your application is approved before 3 pm* EST from Monday through Thursday, you can expect your funds the same business day.
Friday Before 3:00 p.m. EST: If your loan is approved before 3 pm* EST on Friday, you can expect your funds on Friday.
Friday after 3:00 p.m. through Sunday: If your loan is approved after 3 pm * EST on Friday, on Saturday or on Sunday, you can expect your funds on Monday before the end of the business day. If your approval day or deposit day happens to be a bank holiday, please allow for 1 extra business day of processing.
The exact time of funding depends on when your bank will post the ACH (Automated Clearing House) credits to your bank account. If you experience a delay, please reach out to your bank directly.
Proof-of-income is required prior to your application being approved, including:
Proof of income may include a government benefits award letter or a recent bank statement displaying regular deposits, paycheck stubs.
Do you work with self employed?
We do not work with self employed or independant contractors.
In order to submit an application that our underwriting can review, applicants must:
We work hard to offer you a quick and convenient process. Once your application is approved, funds are typically deposited in your account as soon as the same business day. The actual time it takes the funds to appear in your account depends on your financial institution. You also have the option to pick up cash in the store.
Our decision may be based in whole or in part on information obtained from a national or state database including, but not necessarily limited to, MicroBilt, 1640 Airport Road, Suite 1 1 5, Kennesaw, Georgia 30144 or Veritec Solutions LLC, 6735 Southpoint Drive South Suite 300, Jacksonville FL 32216.
The laws of the State of Florida do not allow a consumer to have more than one transaction outstanding at the same time and require that a consumer wait at least 24 hours after closing a transaction before opening a new one.
Please visit the company from whom you received your last cash advance if you need assistance.
If you can not recall the company from whom you received your last cash advance, or otherwise need assistance, you may call: 1-877-FLA-DPP1 (1-877-352-3771)
You can call 800-211-2274 Monday – Friday 9am-5 pm, Saturday 10am-5pm.
Florida Office of Financial Regulation
200 East Gaines Street
Tallahassee, FL 32399
Phone: 850-487-9687