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Frequently Asked Questions

Is my transaction confidential? Yes, the financial transaction between you and our company is strictly confidential on every level, and we take every measure necessary to ensure that your information does not get compromised internally or externally. For our online products, advanced security measures are employed, such as 128-bit SSL encryption, 3rd party verification of encryption certificates, and internal audits to ensure the safety of your information.
Are all online loan providers the same? No, Unfortunately many online payday companies are not the same. Many do not operate here in the United States or even operate in states that allow for this type of business.

745 Cash is based in Memphis, Tennessee. We strictly follow and abide by federal and state rules and regulations. Always be sure to ask about the standards and practices of any financial institutions you do business with, and be sure to ask for full disclosure of all terms and conditions. Also, consider the provider's measures for your security, whether online or at their store.
Why should I use 745 Cash? 745 Cash provides personalized and knowledgeable customer service with competitively-priced, hassle-free financial products. We offer the most secure network available right now to ensure that the most sensitive of information is protected. For more than 15 years, our reputation for integrity has ensured your confidentiality and security. We continually develop new partnerships with financial service leaders to add new products and services to meet your changing needs.
How much will I owe on my payday loan? Like any loan, how much you owe for your payday loan depends on how much you borrow, plus any interest rates and fees that apply. As a leader in the payday loan industry, 745 Cash insists on making it easy to get a full disclosure of our rates and terms. We believe that the more you understand about the payday loan process, the easier it will be to use payday loans as a responsible solution for short-term cash needs.
How do I qualify for a 745 Cash payday loan?
As long as the application is approved by 6:00pm CST, your online payday loan will be deposited by midnight. To qualify for an online payday loan, here's what you need:
  • A verifiable form of income
  • An active checking account that allows direct deposit
  • An active email address
  • Proof that you are 18 years of age or older
  • Any additional documents required by state law for an online payday loan
When will my payday loan be due? Typically a customers payday loan will be due on the next payday following the approval of the loan. Your due date will be based on your current pay frequency at the time of approval. Normally a CSR will try to contact you or email you with a reminder that your due date is coming up soon. Always make sure you record the due date so you remember to make your payment on time. Consider your budget and the loan repayment terms carefully to ensure that your payday loan works for you.
How do I pay back my payday loan? On the agreed repayment date, 745 Cash will simply withdraw the funds automatically from the customers checking account. 745 Cash may or may not notify you of the upcoming withdraw date. That's why it's very important to plan ahead, and to make sure that the funds are available in your account on the day of the withdrawal. If the account is short, borrowers may be responsible for returned check fees from the bank, as well as late repayment fees and penalties.
After I pay off my payday loan, can I get another payday loan? Yes, a customer can re-apply for a payday loan immediately as long as all the funds have cleared the bank. But we ask the customer to keep in mind that payday loans are a short term loan. It's important to understand the purpose of payday loans and to use them responsibly. If you find yourself needing regular payday loans, it may be time to seek serious, long-term financial help. It's up to you as the borrower to determine when your situation is in need of professional assistance. Also, please be sure to update any info about yourself that might have changed before you re-apply.
What happens when I miss a payment on my payday loan? If your payday loan payment is due and we're unable to withdraw funds from your checking account, a collections representative will make contact with you to determine why the funds were not able to be withdrawn. If an alternate date for deposit cannot be established then the loan will be turned over to collections.