Frequently Asked Questions - WeFixMoney

Frequently Asked Questions

How do I go about applying for a short-term cash advance loan?
Every lender has different payback terms and interest variables so the quickest way to get answers - and possibly a loan - is to apply. If the form doesn't load properly, please disable your pop-up blockers temporarily. Please note: Short-term Loans are strictly regulated/illegal in some states. We will have trouble finding lenders that will accept applications in those cases. You can check your state's policy on short-term loans at cfsaa.com. You can try to apply if you're not sure, but there is no guarantee we can find a lender for you.
Can I talk to a representative over the phone?
Yes, you can also call 1-877-66-WEFIX to apply or if you need assistance with your online application.
I applied on WeFixMoney.com and then got redirected to another website. Is this how the process works?
Yes. We Fix Money does not lend money or process loans, we collect your information and match you up with the appropriate partners. If you're approved, which takes just a few minutes, you'll receive a confirmation number and then be routed to your approving lender's website. You may be asked to fill out additional forms. If you aren't immediately redirected, it's likely your application didn't get approved. You may receive second chance offers from lenders, but unless you are looking for a different loan type than the one you applied for, you should disregard those offers.
I applied for a loan earlier today. When will I know if I got approved?
When you are approved, you are directed to your approving lender's website within a few minutes of applying on WeFixMoney.com. If the system is still searching for a match after 10 minutes, we're having trouble finding a lender who will accept your application. If no one contacts you within an hour of submitting, your loan was denied.
I am interested in getting funded for a larger amount, over $1000, does that option exist?
Yes. We Fix Money has partnered with WestBayCash.com to provide customers with access to larger dollar amounts through an installment loan option.
Why was my application denied and what happens to my information?
Most of the time, a loan is denied due to the applicant's state laws. Certain states have strict regulations on short-term loans. You must also have had a job for the past 3 to 6 months and a bank checking account to qualify for a short-term loan. Other factors are considered, but WeFixMoney.com doesn't track any details on why a loan was denied. We don't keep your information stored in our system after it's sent to a lender.
How can I better my chances at getting my application approved?
When you click on the appropriate service you're looking for, be really specific about your needs and situation. Please don't leave any sections blank since a lender may pass over an incomplete application.
How do I qualify for a loan?
Qualifying is based on a few key categories:
  1. Currently have a job (or receive regular income)
  2. Make at least $800 per month
  3. Are 18 years of age or older and a U.S. resident
  4. Have a checking account
  5. Other requirements may apply
How do I extend my loan?
Qualifying is based on a few key categories: Lenders will often provide extensions; however, this is a decision made solely by your lender. Please contact your lender for details, your particular lender is on the documents they sent you when you accepted the loan.
* THE OPERATOR OF THIS WEB SITE IS NOT A LENDER, does not broker loans to lenders and does not make short term cash loans or credit decisions. This Web Site does not constitute an offer or solicitation to lend. This site will submit the information you provide to a lender. Providing your information on this Web Site does not guarantee that you will be approved for a short term cash loan. The operator of this Web Site is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Not all lenders can provide up to $1,000. Cash transfer times may vary between lenders and may depend on your individual financial institution. Funds are most often deposited the next business day. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this Web Site may change from time to time and without notice. For details, questions or concerns regarding your short term cash loan, please contact your lender directly. Short term cash loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Residents of some states may not be eligible for a short term cash loan based upon lender requirements.
Our lenders may offer you a loan with an APR between: 90.38% to 1171.88%. The APR on a small dollar, short term loan represents the amount of your loan, cost of the loan, term of the loan and repayment amounts and timing. Loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs, and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range displayed. NOTICE: THIS IS AN EXPENSIVE FORM OF CREDIT. A SHORT TERM LOAN SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS ONLY, NOT AS A LONG-TERM FINANCIAL SOLUTION. CUSTOMERS WITH CREDIT DIFFICULTIES SHOULD SEEK CREDIT COUNSELING OR MEET WITH A NONPROFIT FINANCIAL COUNSELING SERVICE IN THEIR COMMUNITY. If you do not pay your loan according to its terms, your lender may:

  • Charge you late fees
  • Send your account to a collection agency
  • Report your information to a consumer reporting agency, which may negatively affect your credit score
  • As a convenience, some lenders may offer to "roll-over," renew, extend or otherwise alter your payment terms. Such adjustments may cause you to incur additional fees, charges and interest. Further, some roll-over loans may renew automatically unless you request otherwise. Please contact your lender directly for questions regarding the terms of any adjustments.
This service is not available in New York or to New York borrowers due to interest rate limits under New York law.
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