FAQ
Questions, answered.
Everything you need to know about borrowing with GoGoCash — from how the application works to how we keep your data safe.
GoGoCash is an online installment lender offering loans from $300 to $3,000 with terms from 3 to 12 months. We focus on speed and transparency — most approved applicants see funds in their bank account the same business day.
No. Payday loans require a single balloon payment on your next paycheck. GoGoCash offers installment loans with clear payment schedules over 3 to 12 months, with APRs capped at 749% and no penalty for paying off early.
You need to be at least 18, a U.S. resident, have a verifiable source of income, and a valid bank account where we can deposit funds. We currently lend in most states — check our licenses page for details.
No. We look at your whole financial picture — income stability, banking history, and existing credit accounts — not just a single score. Many applicants with limited or recovering credit qualify.
Loans range from $300 to $3,000. The amount you qualify for depends on your income, credit profile, and state of residence. First-time borrowers may have a lower initial cap that grows with on-time payments.
No origination fees and no prepayment penalties. Late fees may apply.
Yes — always, and with zero prepayment penalty. Paying early saves you interest, and we never charge a fee for it.
Most approved applicants receive funds in their bank account the same business day. If you apply and accept your offer before 1 PM CST on a weekday, you usually see the deposit by end of day. Weekend and holiday applications fund the next business day.
Payments are made automatically via ACH from the bank account you provide during application. You can also make manual payments through your dashboard at any time, including paying down or paying off your loan early.
Never. We do not sell personal information to third parties. We share data only with the service providers necessary to operate your loan (banking partner, identity verification, credit bureaus) and only as required by law.
In most cases, yes. We consider applicants with prior bankruptcies that are at least 12 months discharged. Your loan terms may differ based on your current financial situation.
Not at this time. GoGoCash currently offers individual loans only.
A valid U.S.-issued driver's license, state ID, or passport. We use it to verify your identity and prevent fraud — we never store or sell your ID image.
Still have questions?
Our US-based support team is here 7 days a week, by chat, phone, or email.