Frequently Asked Questions
What is a short term loan?

How does a short term loan work?

How do I know if I qualify?

How much will I qualify for?

When will my short term loan be due?

How quickly will my application be processed?

How will I know that my application has been approved?

Will I need to fax or email any documents?

How will I receive the funds?

What is an ACH?

What are the loan fees or costs associated with a short term loan?

What is the interest rate for this short term loan?

Can I reduce my interest rate or fees?

What forms of payment do you accept?

What are my options for repayment for the short term loan?

What happens if I don't make my payment by the due date?

Why am I not receiving emails from UnitedCashLoans®?

How do I access my online account with UnitedCashLoans®?

How do I update my banking information or my pay period information?

When will I be required to pay toward my principal balance?

How do I resolve a dispute if I am not satisfied?

Do the laws of my state of residence or the state where I am applying for a short term loan govern my loan agreement?


What is a short term loan?
A short term loan provides you with emergency cash when you need it most. It allows you to borrow the money you need and pay the loan back when you get paid. Simply complete our fast two minute application online. It is quick, convenient and confidential. Once you are approved, the money is sent directly to your account as early as the following business day.



How does a short term loan work?
Once you have completed your online application you will be given the option to accept the terms of your short term loan, and electronically sign your required Loan Agreement documents. These loan documents provide you the full terms of your short term loan. Per the Loan Agreement, the entire balance of your short term loan will be due on your scheduled due date. If you need additional time to repay your short term loan you will have the option to log in to your account and create an Extended Repayment Schedule once the funds are sent to your bank account. This option will allow you to repay your short term loan over multiple due dates if you choose not to pay in full on the first assigned due date.



How do I know if I qualify?
In order to qualify you must meet all of the following criteria



How much will I qualify for?
Once you submit your application, certain guidelines are used based on the information you have provided to determine the initial loan amount you will qualify for. After successfully paying off your initial short term loan with us, any future loan amounts could be increased.



When will my short term loan be due?
The due date for your short term loan is based on your next paydate that you provided within your application.



How quickly will my application be processed?
As soon as you complete your loan application, it is sent to our processing department for review. If the short term loan is approved by 4:00pm CST (GMT - 5) and no further information is needed, we will send the funds to your account the next business day. Though posting usually takes place the next business day, it will be up to your bank to make the funds available to you. Any loans processed after 4:00pm CST (GMT - 5) will post on the following days business.



How will I know that my application has been approved?
Once your loan application is approved, an email will be sent to the email address that you provided within your application. This email will arrive with the subject "Congratulations" and will provide an estimated fund date as well a summary of loan terms that you agreed to in the application process.



Will I need to fax or email any documents?
There may be some instances where proof of income is required prior to the approval of your application. Examples of this could include, but are not limited to, a copy of a recent bank statement showing reoccurring direct deposits of income, a pay check stub or an award letter for government benefits.



How will I receive the funds?
The funds are deposited directly into your account the business day after your application has been approved. Though posting usually takes place the next business day, it will be up to your bank to make the funds available to you. If you do not see funds in your account the next business day following approval, you should contact your bank's ACH department for further information.



What is an ACH?
ACH stands for Automated Clearing House. An ACH is an electronic transfer of funds from one bank account to another.



What are the loan fees or costs associated with a short term loan?
There is a finance charge associated with the short term loan provided to you. This is included within your initial Loan Agreement documents, and is based on the loan amount you qualify for. After you have received your funds, if you choose to extend repayment over multiple due dates, you will see the applicable finance charge(s) as you build your Extended Repayment Plan. You will be able to edit and rework the extended payment schedule to comfortably fit your budget. (Please note: By extending repayment of your short term loan over more than one payment you will incur additional finance charges resulting in a higher payback amount at the end of your loan term. You will be required to sign a new agreement with us confirming your extended repayment schedule.)



What is the interest rate for this short term loan?
The interest rate of your short term loan depends on the initial loan amount you qualified for, and whether you have set up an Extended Repayment Plan or have opted for a One Time Payment only. The APR is displayed on the final page before you sign and is included in the Federal Truth and Lending Disclosure during your selection of the Repayment Plan.



Can I reduce my interest rate or fees?
You cannot reduce the finance charge on your initial short term loan. The initial finance charge is fully earned and accrued at the time you receive your short term loan. If you later select and schedule an Extended Repayment Plan, you can select to pay additional funds toward the principal balance, reducing periodic finance charges for future scheduled payments.



What forms of payment do you accept?
We currently accept payments by debit card, personal check, and money order.



What are my options for repayment for the short term loan?
Your account will automatically be due for the full balance of your short term loan on your first due date as specified in your Loan Agreement documents. (This option will cost you the least)

We also offer you the flexibility to create your own Extended Repayment Plan that will allow you to make payments over multiple due dates. Once you have received your loan, but prior to your first due date, you can schedule an Extended Repayment Plan that works best for you.

Once you have logged into your account by selecting 'Create New Schedule', you can build an Extended Repayment Plan. You may also contact a Customer Service agent to help you build an Extended Repayment Plan. (Please note: By extending repayment of your short term loan over more than one payment you will incur additional finance charges resulting in a higher payback amount at the end of your loan term. You will be required to sign a new agreement with us confirming your extended repayment schedule.)



What happens if I don't make my payment by the due date?
You are responsible for making your payments by your scheduled due date. To avoid a late payment, you have the option to schedule a finance charge only payment by creating an Extended Repayment Plan. If there is a late payment, skipped payment or a payment is returned to us, you may accrue additional fees and your account will be sent to our collection department.



Why am I not receiving emails from UnitedCashLoans®?
Due to increasing email restrictions from some email providers, our emails could be marked as SPAM, Junk Mail or Bulk Mail. You can also add us to your "contacts", which usually allows our emails to go straight to your inbox. Additionally, you must make sure that you have not previously opted out of receiving emails from UnitedCashLoans®.



How do I access my online account with UnitedCashLoans®?
You will be emailed a Username and Password to our website. This Username will allow you to access your account online and complete such services as:

How do I update my banking information or my pay period information?
Please call our Customer Service Department at 800-279-8511.



When will I be required to pay toward my principal balance?
Your balance is due in full on your first scheduled due date. If you choose to not pay your balance in full on the first due date, you can create an Extended Repayment Plan. When an Extended Repayment Plan is created there are a maximum number of times that you may pay the finance charge only before you are required to start paying towards your principal. If you choose the maximum number of payments for your Extended Repayment Plan, payments to reduce the principal balance of your short term loan will be required after three payments of finance charges only.



How do I resolve a dispute if I am not satisfied?
What does it mean to enter into a contract with an online lender wholly-owned by a sovereign, federally recognized Indian tribe? One of the things it means is that as a sovereign just like the United States and each of its states, MNE Services, Inc., doing business as UnitedCashLoans®, is immune from lawsuits unless we agree to waive our tribal sovereign immunity. This means that unless we agree to waive our tribal sovereign immunity, you cannot sue us for any disputes related to your loan. In the unlikely event that we are unable to resolve a complaint you may have to your satisfaction, however, we are committed to resolving all disputes in a fair, effective, and cost-efficient manner. Accordingly, if you complete the loan application process, we will agree to a limited waiver of our tribal sovereign immunity solely for the purpose of consenting to individual arbitration for the resolution of any disputes between us and/or any third-parties related to your loan that we cannot resolve to your satisfaction.

What is arbitration? Arbitration is a faster, simpler, and less expensive alternative to filing a lawsuit. For more information about our agreement to individually arbitrate disputes, please see the section in the loan agreement under the statement: "PLEASE READ THE FOLLOWING CAREFULLY AS IT IMPACTS YOUR LEGAL RIGHTS." A sample of limited waiver of sovereign immunity and arbitration provision can also be found here.

Our loan agreements provide that the Federal Arbitration Act will apply and that arbitration will occur before the American Arbitration Association or JAMS. The Federal Arbitration Act can be found here. To learn more about the American Arbitration Association click here and to learn more about JAMS click here.

You can also learn more about arbitration by visiting some useful websites. This site and this site generally describe arbitration. The Uniform Arbitration Act, adopted by many states, can be accessed here and the Arbitration Ordinance of the Miami Tribe of Oklahoma can be found here.

If you do not understand the impact of entering into a contract with an online lender wholly-owned by a sovereign, federally recognized Indian tribe that agrees to a limited waiver of its tribal sovereign immunity solely for the purposes of individual arbitration for the resolution of any dispute, you should not apply for a loan from MNE Services, Inc. doing business as UnitedCashLoans®.



Do the laws of my state of residence or the state where I am applying for a short term loan govern my loan agreement?
No. Your loan agreement will be governed by and construed in accordance with the laws of the Miami Tribe of Oklahoma and all applicable federal laws. Federally recognized Indian Tribes are sovereign and possess sovereign immunity and are not subject to state law absent congressional authorization. Our loan applications and loan agreements state that the laws of your state of residence and/or the state where you apply for a short term loan will not apply to any agreement you enter into with us.



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