Frequently Asked Questions

How do I go about applying for a loan? Can I talk to a representative over the phone?

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: All loans are regulated in many different ways in many different states. You can check your state's policy on many types of loans at You can try to apply if you're not sure, but there is no guarantee we can find a lender for you.

I applied for a loan on West Bay Cash and then got redirected to another website. Is this how the process works?

Yes. West Bay Cash does not lend money or process loans, we collect your information and email it to a financial expert in the area where you indicated you needed help. If you're approved you will 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 West Bay Cash. 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.

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 loans. Other factors are considered, but West Bay Cash 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 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 extend my loan?

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.

West Bay Cash offers a fresh approach to borrowing. Our network of lenders can help you get the cash you need. The process is fast, secure, and free!

Use the cash for: major appliance purchases, home improvements, boats, bill consolidation, car purchases or repairs, mobile homes, vacations or something else! Whatever the need, West Bay Cash is here to help!

Our lenders offer a variety of affordable loan programs for every budget and credit score. Terms can range in length up to 3 years. Start the process now!

Get Up to $20,000* with affordable, fixed monthly payments and no prepayment penalties!

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