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Understanding the Process

The lenders in our network have a range of different state and federal restrictions that impact how much money a borrower can receive and how long the terms of the loans last. Typically lenders can offer as little as $500 and as much as $25,000. The terms of the loans can range from 2 months to 5 years. Interest rates can range from 24% to more than 425%.

Each lender in our network is different and has different loan and repayment structures. Be sure to read and consider all the information in your loan documentation carefully. For example, with some lenders, you may have the option to repay the loan in full before the due date and only pay the interest rate for the period of time that the loan was outstanding.

The annual percentage rate (APR) on a small dollar, unsecured loan represents the cost interest rate you will pay on the money being loaned to you. Basic guidance on the loans suggest that the loans on the lower end of the APR range may be for a larger loan amount and for a longer term. Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term.

As with any banking document, it is paramount that you review the repayment terms as outlined by your lender and make every effort to repay your loan on time. The terms of repayment vary by lender, but are often monthly or twice monthly. Funds are typically withdrawn by the lender from your bank account on the agreed upon date. You will be presented with loan documents that outline these terms prior to finalizing your loan. Make sure you read and completely understand all of your lender's policies when it comes to repayment and understand what is required of you as a borrower to repay the loan.

West Bay Cash is not involved in debt collection. If you do not make payment, your lender may take action against in accordance with your agreed upon loan terms.

Such actions could include:

  • • Charging late fees
  • • Sending the account to a collection agency
  • • Reporting information to a consumer reporting agency, which may negatively affect the borrowers credit score
  • • Offering to renew, extend or refinance the loan, which may cause the borrower to incur additional fees, charges and interest

If you have questions regarding non-payment issues, please speak with your lender directly.

No hidden costs. West Bay Cash is not a lender and does not provide lending services directly to consumers. Based on the information you submit, West Bay Cash searches our lending network to find you a lender and loan suited to your needs. Each lender has different loan terms, such as the loan amount, the APR for the loan, repayment schedules, etc. Each lender is required by the federal Truth in Lending Act to present to you the terms of the loan, the rates and all costs associated with the loan prior to you executing loan documents.

After submitting your information, if you are redirected to a lender, the lender will contact you to confirm your personal information and finalize the loan. Please make sure that you respond in a timely manner to ensure that funds are made available as quickly as possible. Carefully review the loan amount, fees and other details of the agreement. You are under no obligation to accept a loan until you agree with and e-sign the agreement.

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We employ Bank-level Security Standards to protect your data. Additionally, we respect your privacy and share your application information only in the process of securing you financing from one of our lending partners. We will never sell or rent your information to third- parties. For more information on our use of data, please visit our privacy policy.

Understanding Your Credit Score

A good credit score is crucial for financial success. A credit score is a three digit number calculated from your credit report and is one factor used by lenders to determine your creditworthiness for a loan. Your score can affect whether or not you are approved as well as what interest rate you are charged.

Our network of lenders may report to major credit bureaus every repayment, so you can build or fix your credit by making timely repayments. As your credit improves, you may be eligible for lower rates on subsequent loans.

Lenders each have different standards for what they consider to be a good credit score, so it‘s important to keep building your score to receive the most favorable interest rates and highest rates of credit approval.

When You've Been Redirected.

West Bay Cash will process your application in a secure environment, and will attempt to find you a lender suited to meet your needs. If you have been redirected, you should thoroughly review all rates and fees that will apply to your loan. It is also important to check the repayment options and to understand the agreement made between you and the lender. At any point in the application process, you can decide whether or not you wish to continue with the terms offered.

Protecting Your Credit

West Bay Cash is not a lender but works only with lenders that are compliant with the Federal Truth in Lending Act (the “TLA”). The TLA protects consumers seeking credit in a variety of ways, including by: requiring full disclosure of the terms and conditions of loan products; restricting the garnishment of wages; and by creating the National Commission on Consumer Finance to study and make recommendations on the need for further regulation of the consumer finance industry.

Please note: You may exit the process at any time before signing and are under no obligation to accept the loan presented.

Repaying Your Loan

While you are repaying your loan, you are protected by the Fair Debt Collections Act, which is enforced by the Federal Trade Commission. All lenders are required to abide by this law. The act requires that lenders comply with fair debt collection practices, which includes limitations on when and how you can be contacted about your debt, and other communication methods.

Please note: If you feel you have been treated unfairly, please contact Online Lenders Alliance & Federal Trade Commission.

Each lender in the West Bay Cash network has different rates, terms and lending criteria. West Bay Cash works to find you a lender that can help get you the funding you need. Traditionally, the specific loan amount for which you’ll qualify will depend on several factors, including the following:

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Get Up to $25,000 with affordable, fixed monthly payments and no prepayment penalties!

WESTBAYCASH.COM IS NOT A LENDER, does not broker loans to lenders and does not make cash advances or credit decisions.

Our service is free to you (the loan applicant) and all repayment terms are between you and the lender. Individual lenders have varying loan terms, including the loan amount, APR, and repayment schedules. After you submit your information and if you are redirected to a lender, will redirect you to the lender’s web site, where you will be able to review and agree to the lender's proposed terms and conditions.

Please review the terms and conditions carefully. If you do not like the lender's proposed terms and conditions, do not proceed with the loan! In many cases, the lender will contact you to confirm your personal information and finalize the loan. They may contact you via telephone, email, text messages, etc. The lender may obtain your credit report to make a final decision.