How It Works
Requesting a loan is easy with xpasx.com. Fill out one easy form on xpasx.com and
your inquiry will be submitted to our large network of lenders. Loan amounts range
from $100 to $5,000 (exact amounts vary based on lender programs and your state of residence).
You can have a response from one of our lenders the same day, and often within minutes. Once your
loan is approved, you will be redirected to the lender’s website where you can review the terms
of the loan, including details about all the applicable rates and fees. If you accept these
terms, the lender will deposit money directly into your bank account as quickly as the next day.
Most lenders have the following requirements to be approved:
To be accepted by most lenders in our network, you should:
- Be employed at your present job for at least 90 days.
- Be a US citizen or a permanent resident, and over the age of 18.
- Have an income of around $1,000 per month after tax deductions.
- Have a checking account in your name.
- Provide a working telephone number for your home and work.
- Provide a valid email address.
Quick Inquiry Process
Through our secure technology, we will find a lender in our network that is willing to take
work with you based on the information you submit. Once we have a lender ready to work with you,
that lender will contact you to get any additional information they might need (such as
verification of employment, pay stubs, etc.).
Cash Sent Directly To You
After your lender has taken and approved your request, cash will be deposited directly into
your bank account. That means you don’t have to take a trip to the bank to endorse and
deposit a check or pay check-cashing fees.
Private And Secure
We use industry-recognized security and advanced encryption technology to protect your
personal information.
Automated Repayment
If you authorize your lender to take payment via automatic withdrawals (known as “ACH transfers”), then your loan payments will be paid automatically directly from your bank account. This means each payment will be on time and you won’t have to worry about missing any payments or incurring any late fees.
Late Payments
Late payment policies can differ among lenders. Please make sure you read and understand
the loan agreement and your lender’s late payment policy before accepting the loan. In
some states, late fees may be limited by law. In other states, late payments may allow
the lender to charge late fees and may accelerate the loan making it due in full immediately.
NOTE: Before agreeing to a loan, please make sure you can make your loan payments in
full and on time. We support the responsible use of loans and recognize that nobody
knows your situation better than you.
Loan Extensions
State law may limit or prohibit a lender’s ability to extend or “roll over” your loan.
Consult with your lender if you need a loan extension.
Loan Default
If you can’t make your loan payments on time, you may be in default of your loan obligations.
Late payments and loan defaults may adversely affect your credit and may make it difficult
to obtain future loans.
