LoneStarCash.com is not a lender and does not make short-term loans or credit decisions.  We are a loan connecting service where we connect consumers with independent third-party lenders. You can request a loan online from your home computer or from any mobile device. Since this process occurs in real time, it’s very fast.  If one of the lenders accepts your loan request, you will receive an offer from that lender with terms and conditions of the loan.  If you agree to the terms (and you may decline them), the money could be available for use as soon as the same day.  Note that funding times vary by lender, and the same day funding option may not available for all lenders.

Registering with LoneStarCash.com and submitting a form is FREE to you, the consumer.  We are paid by independent, third-party lenders for potential customer referrals.  Note that terms and conditions, including APR, term of loan, fees, and timing of payments, vary by lender, and that these charges come directly from the lender and not LoneStarCash.com.  

Be sure to read all documents of the terms and conditions, and contact your lender directly for any questions or concerns.  You are under no obligation to accept the lender’s offer.

Lenders may offer anywhere from $100 to more than $5,000. You can make a request for a loan amount, and if you receive a loan offer from one of the lenders, it may or may not match the loan amount requested.  Loan offers will vary for several reasons including the lender, lender criteria, as well as other factors.  Payday loans are usually between $100 and $1,000. Installment loans range between $100 and $5,000. Personal loans can range from $500 to $10,000. Loan offers may vary for several reasons including the individual lender, employment, income and other factors..

Each lender has their own individual criteria that must be met, but typical minimum requirements include, but may not be limited to:

  • Must be at least 18 years of age or older
  • Must have a checking or savings account with direct deposit
  • Minimum monthly income of at least $1,000 per month
  • Must not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps, or Navy (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or less

You will be asked to provide banking, employment and some personal information. This information includes, but is not limited to your name, address, telephone number, place of employment and/or source of income, driver’s license state and number, bank account information and Social Security number. Potential third-party lenders may perform a credit check or use other methods to verify the information you provide and to make a credit decision.

LoneStarCash.com uses SSL encryption technology so that all the sensitive information included in your loan request is secure. Your use of our services is strictly voluntary and is governed by our Terms & Conditions of Use and Privacy Policy.

Many third-party lenders may check the accuracy of your information you have provided and see how it compares to national databases in order to verify your application details including but not limited to verifying your Social Security number, driver’s license number, banking information. Third-party lenders may also check your credit at one of the traditional credit bureaus (Experian, Equifax, and TransUnion) or non-traditional credit bureaus, and this may result in a lowering of your credit score.

There is no guarantee that you will be approved by one of our participating lenders.

Once your LoneStarCash.com form is submitted, you may be connected to one of the independent, third-party lenders who often can make loan request decisions within minutes.

If you are approved for a loan by one of the lenders, you could receive funds at your financial institution as quickly as the same day. A number of factors impact this, including the time of day you were approved, the accuracy of your registration, as well as the lender and your financial institution.

The transfer to your bank account could happen as quickly as the same day. Transfer times may vary depending upon your lender, your financial institution, as well as time of day you were approved. If you have additional questions regarding the transfer time, please contact your lender and financial institution directly.

LoneStarCash.com is not a lender. Each independent, third-party lender has their own terms and conditions, including repayment terms. Please contact your lender directly for information regarding the date and time for repayment as specified in your loan agreement.

This will depend on the state you live in as well as the lender. Renewal policies vary for each lender, and is also dependent on each state having their own respective laws regarding automatic renewals of different types of loans. Contact your lender directly and ask if your loan will automatically renew or if they need to receive your permission first. Note that loan renewal will result in additional fees and interest to your loan balance. Make sure you are aware of these fees before agreeing to any loan renewal.
This varies by lender, so be sure to check with your lender before accepting the loan offer. Be fully aware of the penalties of late or non-payments and the consequences of not paying the loan in full on the date it is due.

Typical penalties for lack of repayment may include:

  • There may be additional late fees
  • Your account may be sent to a collection agency
  • Your lack of payment may be reported to a consumer credit agency, which will likely lower your credit score
  • An offer to renew your loan, which will result in additional fees and/or interest

LoneStarCash.com is not a lender. You should contact your lender directly and ask your lender what the implications of non-payment are.

A payday loan is a small (typically under $1,000), short-term, unsecured, cash advance. The term of the loan is usually 30 days or less, and are meant for emergencies. It is an expensive form of credit and not as a solution for long-term debt and credit difficulties. If you find yourself using them to pay regular bills, you should consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Use payday loans responsibly.

An installment loan is (usually under $5,000) short-term, unsecured, cash advance. An installment loan is paid back in a set number of scheduled payments. Use installment loans responsibly.

A personal loan is a no-collateral loan for up to $10,000 and sometimes more similar to a line of credit. The term of the loan is typically longer than an installment or payday loan. These loans can be used to consolidate debt or pay off high interest credit cards. Use personal loans responsibly.