Your Trusted Partner in Payday Loans
Access quick cash with our hassle-free
Payday loans. Secure funds for emergencies with ease.
Immediate Cash Access
Flexible Repayment Options
No Collateral Required
Payday
Payday loans from Cash Xpress offer a convenient solution for individuals in need of quick financial assistance. Unlike traditional loans, payday loans don't require any collateral; instead, they are approved based on your salary and expense ratio. This means you can access funds without worrying about putting up assets as security.
Explore Payday Loan.
Cash Xpress offers competitive rates for payday loans, charging a weekly rate of 7.5%. Additionally, there's a limit on the amount you can borrow, ranging from CI$100.00 to CI$1,000.00, depending on your financial situation and needs.
What sets Cash Xpress apart is its commitment to customer satisfaction. Civil servants and seniors enjoy special privileges, with a discounted weekly rate of 5% for payday loans. This reflects Cash Xpress's dedication to providing accessible financial solutions to all members of the community, regardless of their income or age.
Payday Loan Eligibility Criteria
- One in-house photo
- Completed application form
- Job letter ( addressed to Cash Xpress) If you are self-employed, a copy of your Trade & Business License, if the License is being renewed, a copy of the renewal receipt, and the last T&B License along with your financial statements. (Please note that once you receive the new T&B license, it is required of you to send a copy to us.)
- Two most recent payslips (If applicable)
- Valid ID (driver's license and passport page)
- Most recent utility bill in your name (to verify proof address) If the utility is not in your name, we require a verification letter from the person's name on the utility bill
address to Cash Xpress with a copy of their valid I'D - Two character references
- Debit card account details (required for repayment of loan if necessary).
- Work permit (if applicable)
Frequently asked
General questions
The first 3 months of employment are typically considered a probationary period, during which job stability may not be guaranteed. Requiring 6 months of employment helps us make responsible lending decisions and protects both our clients and our business from financial risk.
Kindly note that our standard maximum for first-time borrowers is CI$500.00.However, we pride ourselves on maintaining a flexible and client-focused approach. Depending on eligibility and the specific circumstances, we are sometimes able to consider exceptions on a case-by-case basis.
Yes, you can repay your loan early without any penalties. In fact, early repayment may even save you money on interest. Please contact us if you wish to make early repayment or need more information
The processing time is typically 1-3 business days once all required documents are received. If additional documentation is needed, this may extend the processing time.
To be eligible for a loan with us, you must have at least 6 months of continuous employment with your current employer. This helps ensure that applicants have passed any probationary period and demonstrate a stable income history.
If you miss a payment, please contact us immediately to discuss your options. Late fees may apply, and missed payments can affect your credit history with us and depending on the extent of the missed payment(s) may result in further escalation. It’s important to keep us informed and make arrangements if you're unable to make a payment on time.
Yes, we offer same-day processing for an additional fee of CI$20. To qualify for same-day processing, all required documents must be received in ample time for a thorough review. Please ensure that your application and documents are submitted promptly to take advantage of this service.
Once your application is approved, funds can be disbursed within 24-48 hours. Some cases may take longer depending on verification requirements.
Elevate your finances
with our featured services
Secured
Secured loans are a form of credit that is backed by collateral, which acts as a guarantee for the lender in case the borrower defaults on the loan.
Collateral can include various assets such as vehicles, jewelry, land titles, and other valuable items.
Debt Consolidation
Our debt consolidation loans are capped at CI$ 10,000.00, providing an effective way to manage your debt more efficiently.
By consolidating your debts, you can focus on one monthly payment rather than juggling several.
