Smart Borrower Tips

We want to make sure your experience with Sure Thing Cash Loans is a positive one. Here are some tips to help you borrow the smart way.

1. Read your consumer loan agreement thoroughly. Before you receive Sure Thing Cash Loans, we will supply you with a consumer loan agreement that will have important information that you should know before taking out your loan. Read through this agreement carefully and ask questions about anything that you don't understand.
2. Know your loan's APR. The Truth in Lending Act requires lenders to display your APR in bold on the consumer loan agreement. Reference your agreement to find your APR. Knowing your APR is important because that will determine your finance charge. The finance charge represents a fee you pay for the convenience of borrowing. Sure Thing Cash Loans expresses your APR as a percentage of the loan's principal.
3. Be cautious about borrowing. Sure Thing Cash Loans are a convenient way to get the cash you need in a hurry, but if you can get the money from other sources, you should. For example, you might consider asking your family or friends to loan you money. Similarly, you might be able to pick up additional hours at work for extra cash. If you use Sure Thing Cash Loans, do so sparingly and only for emergency situations.
4. Remember that rolling the loan over comes with an additional fee. For your convenience, Sure Thing Cash Loans allows you to roll the loan over on the due date if you cannot repay the loan in full. Though this can buy you extra time, remember that rolling the loan over comes with an additional finance charge.
5. Be prepared on the loan's due date. Your loan's due date will be disclosed in your consumer loan agreement. On this date, we will automatically deduct the amount of your loan plus a finance charge from your account unless you tell us otherwise. If you cannot repay the loan in full, make sure you let us know before the loan's due date so we can help you roll the loan over for more time.
6. Get a loan that's just enough to see you through. Though Sure Thing Cash Loans offers loans up to $1500, that doesn't mean that you need a loan of that size. Try to restrict yourself to borrowing just enough to cover your emergency expenses until your next paycheck. This will help you avoid getting overextended in debt.