How Our Loan Matching Process Works
At 85 Cash, we streamline the search for short-term financial solutions. As an online cash advance matching service rather than a direct lender, we connect borrowers with an extensive network of independent financial providers. Because we do not issue loans directly, we do not set individual APRs, repayment schedules, or loan conditions—those terms are determined entirely by your matched lender.
The 3-Step Connection Process
Step 1: Submit Your Online Request
Complete our secure online application form with your basic personal, employment, and banking information. Once submitted, our platform immediately evaluates your profile against our network of trusted direct lenders.
Step 2: Review Lender Offers & Terms
If your request matches criteria within our network, you will be redirected to the participating lender's secure portal. There, you can review specific interest rates, fees, and repayment terms. You are under no obligation to accept an offer until you digitally sign the formal agreement.
Step 3: Direct Deposit Funding
Following final verification and digital approval from your lender, approved funds are transferred directly into your designated bank account—often as quickly as the next business day.
Important Tips for a Smooth Experience
Participating lenders may occasionally contact you via phone, email, or text message to verify specific details before approval. Prompt responses can significantly accelerate your fund deposit timeline.
Responsible Borrowing Reminder: Please borrow sensibly and ensure you have a clear repayment strategy before committing to any short-term loan agreement.