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Cashwell Online

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How It Works..?


CashWell online installment loans, also called cash advances online, are only available to SC residents. Online installment loans or cash advances online provide fast cash for immediate needs.

CashWell online installment loans can be paid off early without penalty.

CashWell does not discriminate against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age. CashWell does not discriminate because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Learn about how to get a CashWell online installment loan in South Carolina.

Rates & Terms



Term of Loan             12 Months

Loan Period

7 Days

You Owe


Every 14 days


Why South Carolina’s CashWell online loans are better than cash advances and payday loans online.

CashWell online loans have a completely secure easy-to-use 60 seconds or less approval process. Loan rates are fair and clearly stated, with no hidden fees. Loans are repaid over twelve months in equal size installments. Our maximum interest rate 360%, shown on your loan document as the Annual Percentage Rate (APR) to convert the cost of the loan as a percent of the principle on an annual basis.

CashWell online loans are twelve month installment loans, which give you time to repay your loan in manageable sized regular payments. Each payment you make pays down both your interest and loan principal.

Cash advances and payday loans online have you pay the entire amount you borrowed after two weeks or your next pay day. Often rather than pay off the loan in full, people pay an extra fee to extend a cash advance or payday loan another two weeks. When you extend the loan, your fee does not reduce the principle loan amount. It is not unusual for people to extend loans up to 10 times, without bringing down principle.

A CashWell online loan can save you a good bit of money versus a cash advance or payday loan online. By way of example, extending a $600 cash advance or payday loan online can require you to pay a $180 fee. Say that you extend the loan 10 times or 5 months, and then pay off the $600 principle. You would have paid $1,800 in extension fees for the $600 you borrowed initially.

A $600 CashWell online loan would have you make 10 payments of $114 paying interest and paying down the principle at the same time. If you paid off your $600 principle at the 10 payment – CashWell allows early repayment without penalty - you would have paid $543 in fees, $1,257 less than the cash advance or payday loan.


Loans vs Late Fees

Compared head-to-head on simple interest basis or on Annual Percentage Rate (APR), installment loans and other types of short term personal loans are equal to and sometimes cheaper than banks' fees. For example on $100 of credit, Bounced check fees average $30, which is a simple interest rate of 30% for $100, or 1277.5% APR. The same is true for credit card companies. This is equal to the fees charged by many installment, cash advance and payday loan lenders. The short duration of installment and cash advance loans generate triple digit annual percentage rates, which represent the interest rate if a loan is for one year versus the 14-days typical of cash advances. Installment and cash advance loan providers are required to make sure customers are aware of fees expressed in APRs. Banks and credit card companies are not required to express fees in APR terms. In fact, they usually are not required to report their fees at all.

Everyone needs an emergency fund. If you find yourself facing the need for emergency cash, compare your options on an apples-to-apples basis and choose the best option for you. Online installment and cash advance loans are often much more affordable solutions.

How much do late fees actually cost?

Late fees cost far more than most people realize. That's because these fees are typically not required to be reported or to show Annual Percentage Rate (APR). If your $100 utility bill was a 14-day loan, for example, and the $47 reconnect fee was the interest charged, your APR would be more than 1223%! Similar results apply for the cost banks and credit cards assess borrowers when charging late fees. On that basis, CashwellOnline’s installment loans represent a better, more affordable funding option comparatively.

Note: All examples are calculated using an assumed single repayment of the fee for a loan term of 14 days.



We know that when it comes to short-term personal loans, including online installment loans or cash advances, or any other type of financial service, you want good clear information to help you make an informed decision based on your specific needs. For your convenience, we have put together the most frequently asked questions (FAQs) other people like you have asked.

[+] [-]  Why should I use Cashwell Online?

    Cashwell Online provides online installment loans conveniently and securely, with minimal hassle.

    Protecting your confidentiality and security is of the utmost importance to us, and our online application process is built with that priority in mind.

    Our dedicated customer service professionals are experts in their field.

    We continually develop new partnerships with financial service leaders to add new products and services to meet your changing needs.

[+] [-]  Who applies for an installment loan?

    In the modern economy, the unexpected happens too frequently with personal finances. Many people are turning to payday loans online to meet the need for short-term funds. Perhaps there is an unexpected medical bill, car repair bill, or personal crisis. Whatever the reason, Cashwell Online is here to help with an online installment loan. An installment loan online is a convenient and secure means of accessing short-term cash when you need it.

[+] [-]  Why should I apply for a loan online?

    An installment loan online is made for your busy life. After you sign for your approved installment loan online, you should see funds in your account in as soon as one business day. Just as important as getting funds fast is feeling comfortable in the knowledge that your personal information is confidential and secure. If you have problems, or questions along the way, our online installment loan customer service team is available to help! A friendly and knowledgeable representative is ready to take your call 1-866-952-2744, or to answer your email at Our representatives are available to answer any questions you have about applying for an online installment loan.

[+] [-]  What do I need to apply for a loan?

    You must be at least 18 years old,and have:

    1. A job or proven source of income

    2. An email address

    3. A checking account in good standing — no returned checks, overdraft charges, negative account balances or nonsufficient fund transactions in the past 30 days

    All signed Loan Agreements are subject to verification of prior loan history and application information. Your online application will be either approved or declined based on our evaluation of the information you provide. In some cases, we may need to ask for additional information. But for most customers, it's quick and hassle-free.

[+] [-]  How much may I borrow?

    You could qualify for up to $2,000 at a CashWell store. See our Store Locator section to find the store nearest you.

[+] [-]  How soon will I get my money?

    If your application is approved and verified by 6 PM ET, we can electronically deposit your loan proceeds into your account as early as the next business day.

[+] [-]  How much does my loan cost?

    Your loan's total cost depends upon the amount for which you are approved. See our Rates & Terms page for examples.

[+] [-]  Do you provide a loan matching service?

    Yes. If we are unable to provide you a loan, we can help find you another lender. You can opt-in to this free service by checking the appropriate box on your application.

[+] [-]  What happens if I miss my payment due date?

    It is your responsibility to make your loan payment by the due date. And your account needs to be in good standing to qualify for future loans. The good news is we make it easy for you to avoid this situation. You can schedule an automatic electronic payment from your checking account, or provide payment in one of the following forms – credit card, check or money order. If you do make a late payment, or a payment is returned to us, you may incur additional fees. If you are unable to make your scheduled payment, please

[+] [-]  How will I know when my application is approved?

    You will know that you have been approved in a matter of seconds after you submit your online application. If you are conditionally approved, subject to verification of your application information, you will be able to request how much you want to borrow up to your maximum approved amount. In the event we are unable to approve your application for credit, we'll notify you with the reason for denial.

[+] [-]  How do you protect my personal information?

    We understand that people some times have reservations about providing personal information in applying for a loan online. Keeping your financial and personal information secure and confidential is one of our most important responsibilities. Cashwell Online has a tested process that keeps your information completely confidential and secure. Our Security page provides details. If you have additional unanswered questions, please contact us.

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Need instant approval for an online installment loan, or do you have a question about our fast cash services? Sometimes you may not find the answers to your questions in Frequently Asked Questions (FAQs). Our professional customer support team is ready to help you both as you decide to become a CashWell Online customer, and long after you have become a customer.

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Call: 1-866-952-2744

Hours of Operation:

8 AM to 10 PM ET, Mon-Fri

9 AM to 5 PM ET, Sat

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CashWell Online Loans

Attn: Customer Support

791-C East Main St.

Spartanburg, SC 29302

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Call: 1-866-952-2744


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