Click n Cash Payday Loans Reviews

Click N Cash Payday Loans ReviewsIt’s hard to get a read on Click n Cash because they send you to a different website in order to get the application process started. It seems that they are owned by the same company that owns Zippy Cash, and that is where you end up if you try to start the application process.

It’s important to know who you’re doing business with, and this is one of the few lenders that sends you to a different site than the one you’re at when you go to apply. This is not to say that there is anything wrong with that, it’s just odd, and can be confusing from a consumer standpoint. It makes you wonder why you wouldn’t just do business at the Zippy Cash website. The same story is true for their Bluehog website as well. Perhaps they are just trying out different branded sites.

All of that aside, let’s see how the process works, what sort of information they provide, and whether you would want to do business with them or not.

Click n Cash Payday Loans Reviews

They have a very easy and quick one page loan application which means you can immediately see all of the fields you’re going to need to enter, and you don’t have to be strung along for page after page like you do at some lenders.

Screenshot Utility
Click n Cash has a secure app for you to download that can take a screenshot of your banking details and send it to them. This speeds up the application process, and gets them the information they need in order to accept you that much quicker. It’s a way of offering a no fast payday loan, while still allowing them to make the right loan decision.

Making Payments
They have several different ways that you can make payments on your loan, either by visiting any Royal Bank, or by mailing in a check or money order. The nice part is that if you bring it to the bank they don’t charge a fee. You can also make an online payment, but that will come with a fee apparently, since they don’t expressly state that it’s free to do so. They also say that they will just debit your bank account for the amount of the loan plus the fees, so it’s unclear why they offer the other payment options.

Straight Up Advice
The nice thing about this company is that they give a straight answer when it comes to needing a payday loan. They fully state that if you need more money than you’re able to pay back on your next payday, then a payday loan is probably not the answer. They give a lot of other options for you including asking a friend or family member for the money, debt consolidation, credit card advances, and more. This is something that most payday lenders will not tell you, since most are just interested in getting you to pay them their fees again and again.

Getting into the payday loan trap is so easy, but not always apparent at first glance. They give an example for Ontario residents of loaning out $300 an paying $363 back. In your moment of financial duress you might think paying $63 to get out of the jam is well worth it. But this would require you to pay back that $363 in full on your next payday. If you can’t (and most can’t) you’ll have to reloan either that amount or a smaller amount. Even if you reloan the $300 just one time you’ve now paid $126 on a $300 problem which starts to not make sense.

Just Start at Zippy Cash
We couldn’t find any pressing reason for going through the Click n Cash site, and would recommend going with Zippy Cash instead. It’s apparently the same lender behind both sites, and since they share the application you may as well become a client of Zippy Cash. They let you log in if you’re already a client, so they have your data store and subsequent loans will be that much easier to get since you don’t have to reapply every time you find that you need cash.

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