Frequently asked questions

What is a Freedom Funds line of credit?

It's a personal line of credit that lets you borrow what you need, when you need it, and pay interest only on the amount you draw. As you pay down your balance, you can borrow again up to your credit limit.

How is a line of credit different from a payday advance or paycheck advance?

A line of credit offers flexible borrowing and repayment draw only what you need and make at least the minimum payment each cycle, with the option to pay more. A payday or paycheck advance is typically a single payment loan due in full on your next payday.

Do you offer cash advances or instant cash advances?

We provide a Freedom Funds line of credit. After approval, deposits are typically made the next business day and, in some cases, the same day.

Can I get an instant line of credit?

Approval is fast and the verification process is streamlined. Funding is usually the next business day, and sometimes the same day after approval.

Who is eligible to apply?

Applicants must be at least 18, reside in Kansas, and have a valid ID, proof of steady income, an open and active bank account, and proof of address.

Can I qualify if my credit isn't great?

Yes. Less than perfect credit doesn’t always prevent approval. The verification process uses alternatives to traditional credit checks.

How much can I borrow?

Qualified borrowers can access up to $1,500 through the Freedom Funds line of credit.

How fast will I receive my money?

Once approved, funds are usually deposited the next business day; in some cases, deposits may occur the same day.

What documents will I need?

A government issued ID, recent pay stubs, and a document that shows your address, such as a utility bill or bank statement.

How do payments work?

You'll receive a billing statement each cycle and must pay at least the minimum amount due on your pay date. You may make extra payments to reduce interest.

How much does the Freedom Funds line of credit cost?

Interest is charged on the average daily balance of your account. Borrow only what you need to help keep interest charges lower.

What if I can't make a payment?

Contact us right away to discuss options such as payment by debit card or other acceptable methods so we can work together on a solution.

How do I apply?

Complete the short online application and provide accurate contact and employment information. Then upload your documents for review.

Is this good for small, short ‘term needs?

Yes. The line of credit is designed for short term financial needs draw only the amount you need and repay over time.

Can I borrow more later?

As you pay down your principal and have available credit, you may request additional draws up to your approved limit.

Is collateral required (an unsecured line of credit)?

The application requirements list ID, proof of income, bank account, and address; collateral is not listed among requirements.

Do you offer payroll loans or paycheck advances?

We don't offer a traditional payroll or payday advance. Our product is a revolving line of credit you can draw on as needed.

Is the line of credit good for emergency expenses?

Yes. With a quick verification process and next business day funding (sometimes same day), it can help cover emergencies.

Do you run a hard credit check?

The verification process uses alternatives to traditional credit checks to help more applicants qualify.

What state do you serve?

Applicants must reside in Kansas.

How will I be notified of approval?

We'll contact you by email and by phone regarding your approval status.

How do statements and due dates work?

We send a billing statement each cycle by email or regular mail. Your minimum payment is due on your pay date.

Can I pay more than the minimum?

Yes. You may make additional payments anytime to reduce the amount of interest paid and pay off the balance faster.

Is my information secure when I upload documents?

Yes. Documents are uploaded to your account using industry standard online security practices.

How can I contact Easy Cash America?

Email info@easycashamerica.com, call 833-523-1045, or visit 124 W 2nd, Hutchinson, KS 67501.