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 $100 to $5,000 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 and often carry APRs of 400%+. GoGoCash offers installment loans with fixed monthly payments and APRs capped at 35.99%.
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.
Most applicants complete the form in 2 to 4 minutes. After you submit, our system returns a decision within 60 seconds, with no impact to your credit score.
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 $100 to $5,000. 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.
Rates range from 9.99% to 35.99% APR. Your specific rate depends on your credit profile, loan amount, and term length. You can see your real rate before committing with a soft credit pull.
No origination fees, no application fees, no prepayment penalties, and no late fees beyond what your state allows (where any apply). The only thing you pay is the interest disclosed on your offer.
Yes — always, and with zero prepayment penalty. Paying early saves you interest, and we never charge a fee for it.
You can choose 3, 6, 9, or 12 months. Shorter terms typically come with lower APRs but higher monthly payments. Use our calculator on the apply page to see what fits your budget.
Most approved applicants receive funds in their bank account the same business day. If you apply and accept your offer before 2:30 PM ET 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 off your loan early.
Your first payment is typically due 30 days after your loan funds. We'll send you a reminder 5 days before each payment date so there are no surprises.
Things happen. If you miss a payment, contact us through chat or phone — we can usually work out a payment plan or adjusted schedule with no fee. We do not believe in punishing customers for a hard month.
Yes. We report payments to all three major credit bureaus (Experian, Equifax, TransUnion). On-time payments help build your credit history and may improve your score over time.
Yes. We use bank-level 256-bit AES encryption for all data in transit and at rest. We are SOC 2 Type II certified, which means an independent auditor verifies our security practices annually.
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.
No. Checking your rate uses a soft credit pull, which never affects your score. A hard credit pull only happens if you formally accept a loan offer.
We use industry-standard identity verification through partners that compare your application data against credit bureau, public, and government records. Most identities are verified instantly without any extra steps from you.
Yes. If you have no active loan, you can request account deletion from your settings or by emailing support@gogocash.com. We retain certain records as required by federal and state lending regulations.
GoGoCash currently operates in most U.S. states. State-specific terms and availability are listed at gogocash.com/licenses. We are continually expanding — if your state isn't listed today, check back.
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.
Yes. We accept 1099 income, gig economy earnings, and other forms of self-employment income. You'll be asked to provide recent income documentation during the application.
Not at this time. GoGoCash currently offers individual loans only. We may add co-borrower options in the future.
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.