Here is how it works
We have a very quick, easy and transparent
3 step process for
loans
Submit your information
Fill out our user-friendly form.
Lenders review your info
Lenders in our network will review and
may present you a
loan offer.
Same day funding as much as $3000
Directly to your bank account! Yes, it's that simple.
ABOUT
NORTHBAY CASH
NorthBay Cash has maintained the highest standards in customer service and security. Our mission is to help solve your short term financing needs and we will never use your information for any other purpose. We are proud members of the Online Lenders Alliance and the Community Financial Services Association, and enjoy an "A" rating from the Better Business Bureau.
At NorthBay Cash, we pride ourselves on doing business the right way on behalf of our customers.
Our Faq's
Have any questions?
How do I qualify for funding?
Qualifying is based on a few key categories:
- Currently have a job (or receive regular income)
- Make at least $800 per month
- Are 18 years of age or older and a U.S. resident
- Have a checking account
- Other requirements may apply
Was I approved for funding?
If we were able to find you a lender, usually you will be redirected to the lender's site within 2 minutes. Some lenders may also call you to confirm your loan. If we were not able to find you a lender, you will see a message stating that.
Why do I have to provide my bank account information?
A bank account number and routing number is required for you to be connected to a lender. This cannot be circumvented and, is where funds if approved will be deposited
Why was I redirected to another site after submitting the application?
NorthBay Cash does not lend money or process loans. Upon approval, we redirect you to one of our approved lenders. You may be asked to provide additional information.
Important Disclosures. Please Read Carefully.
Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
This website is not an offer to lend. Northbaycash.com is not a lender or lending partner and does not make loan or credit decisions. Northbaycash.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. NorthBayCash.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. Northbaycash.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, NorthbayCash.com’s service is always free to you. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where Northbaycash.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
By submitting your information via this website, you are authorizing NorthBayCash.com and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize NorthBayCash.com to share your information and credit history with a network of approved lenders and lending partners.
Lender’s or Lending Partner’s Disclosure of Terms.
The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. NorthBayCash.com has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score
Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.
Over 2 Million Customers Served and the numbers are growing
9 out of 10 customers have said they would refer us to their friends or family.
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