Skip to content
Welcome to CashPlease® offered through Vantage West.
When life throws you a curveball and you need easy access to cash, there's no need to pay ridiculously high interest rates on payday loans.
Why is CashPlease® better?
- Save on interest and fees
- Borrow up to $1,000 (subject to eligibility)
- Check to see if you're eligible for a loan now
- Cash in your account in 24 hours or less (upon approval)
- Easy online access and management
- Work with your own trusted financial institution
See how much you could save with CashPlease® when compared to a typical $500 payday loan repaid over a 3-month period.
| Creditor: | Generic Payday Advance Provider1 |
CashPlease® |
|---|---|---|
| ANNUAL PERCENTAGE RATE (APR): (the cost of your credit as a yearly rate) |
391% | 25% |
| Borrower savings using CashPlease® for a $500 loan repaid over 90 days: $431.21 | ||
Eligibility requirements:
- Must be a Vantage West Checking account holder
- Must be 18 years of age or older
- Must have an email address to create a CashPlease® account
- Must wait at least one day after paying off a CashPlease® loan before becoming eligible for a new CashPlease® loan
- Your Vantage West accounts must be in good standing
- Members may only take out three CashPlease® loans during a six-month period
1Generic payday advance provider credit terms are sourced from a Community Financial Services Association of America (CFSAA) report entitled Payday Advance: A Cost Comparison of the Alternatives. Terms depicted assume (i) credit principal at a cost of $15 per $100, a 14 day loan term, and repayment by balloon payment upon maturity; (ii) six "rollovers" of an initial payday advance to sustain the $500 principal for 90 days; and (iii) each "rollover" requires a new $75 payday advance fee. Stated APR is taken directly from the CFSAA report and contemplates a single 14 day payday advance loan.
