Unexpected expense
Car repair, medical bill, or home fix when cash flow is tight.
See loan options that fit you — with nothing hidden.
Matching service — lenders set all terms. Not an offer of credit.
CBW-Cash matches your request with independent lenders. We don't lend money or decide approvals — we keep the process clear, secure, and yours to control.
No cost to get matched. Pre-match may use a soft credit check; a hard inquiry can happen only if you continue with a lender.
$50–5,000
APR4%–35.55%
70 days–36 months
18+
Secure request — TLS encrypted
No upfront fees — ever
No obligation — you choose
Clear disclosures — in plain words
What we are
The honest version, before you start.
CBW-Cash is a marketplace that connects you with independent third-party lenders. Knowing exactly what that means — and doesn't mean — is the whole point.
What we do
The part we handle
- Match your request with independent third-party lenders.
- Show example terms so you know what to expect before committing.
- Encrypt and verify your request from start to finish.
- Let you control your marketing preferences and CCPA opt-out.
Free to use. We may be paid by lender partners when we make a match.
What we don't do
The part lenders handle
- We don't lend money or fund any loan ourselves.
- We don't approve, deny, or price loans — lenders set their own terms.
- We never charge you a fee to get matched.
- We can't guarantee an offer, an amount, or a rate.
Final decisions and agreements are made directly between you and the lender.
Who it's for
Common reasons people use CBW-Cash.
Illustrative scenarios — eligibility and terms depend on each lender's criteria.
Bridge a short gap
Cover a timing gap between paychecks with a repayment schedule set by the lender.
Compare before committing
See multiple lender responses in one place instead of applying one by one.
Less-than-perfect credit
Many network lenders work with a range of profiles — matching never guarantees approval.
How it works
Walk through the app — screen by screen.
Four key moments — from first screen to your outcome. Tap to preview the app and the trust signal behind each step.
Live preview
Step 1 · Onboarding
Nothing hidden upfront. Before you enter personal details, the app explains how matching works, what data is used, and that CBW-Cash is not a lender.
SecureTLS encrypted requests
FreeNo fee to get matched
YoursYou choose any offer
Possible results
Three ways it can end — all explained upfront.
We don't promise approval. We do promise a clear screen for every outcome.
Matched
Lender options ready
One or more lenders responded with terms you can compare — amount, APR, and repayment schedule.
Your move: Review each offer. A hard inquiry happens only if you continue with a lender.
Pending
Still under review
Lenders are evaluating your request. The app shows a live processing state — your request wasn't lost.
Your move: Wait for notification. Check status anytime in the app.
Not matched
No offers this time
No lender matched your profile right now. That's a valid outcome — not a failure on your part.
Your move: Review your info and submit again later. No penalty for trying.
Credit checks
Soft vs hard — what's the difference?
Switch tabs to compare. One of the most common questions — answered interactively.
Low
impact
impact
- When: During pre-match, while routing your request to lenders.
- Score impact: Typically none — used for initial matching only.
- Your control: You choose whether to submit a request at all.
- Disclosure: May be noted in the app before processing begins.
Where in the flow? Happens early — before you see matched lender options.
- When: Only if you choose to proceed with a specific lender.
- Score impact: Can affect your score — the lender discloses this upfront.
- Your control: Walk away from any offer — no hard pull unless you continue.
- Disclosure: Appears in the lender's agreement before you accept.
Where in the flow? Happens late — only after you pick an offer to pursue.
Who can apply
A short list — no surprises.
You can submit a request if these are true. Meeting them doesn't guarantee a match — lenders apply their own criteria.
- You're 18 or older.
- You live in the United States.
- You can share basic contact and address details.
- You have an email and phone where lenders can reach you.
Less-than-perfect credit is considered. Many lenders in our network work with a range of credit profiles — but matching never guarantees approval, an amount, or a rate.
Stay safe
Never pay upfront for loan funding.
The clearest sign of a loan scam is a request for money before you receive anything. Real lenders don't work that way — and neither do we.
A real lender never
- Asks for gift cards or prepaid cards.
- Demands an upfront fee to "release" funds.
- Pressures you to decide in minutes.
You can always
- Verify the lender's name and website URL.
- Walk away from any offer, no reason needed.
- Report anything suspicious to our team.
Important disclosures
The fine print, kept readable.
Please read
- Applicants must be 18 or older.
- Loan amounts range from $50–$5,000, with terms from 70 days to 36 months.
- APRs vary between 4% and 35.55%, depending on credit profile and lender criteria. Final APR, amounts, and terms are determined solely by the lender based on creditworthiness, state of residence, and loan term; state law may cap rates in some jurisdictions.
- Submitting an application doesn't guarantee approval. Final decisions are made solely by lenders based on their own requirements.
- CBW-Cash connects borrowers with lenders and does not issue loans directly.
- Information is provided for informational purposes only and is not financial advice.
- We share information with lender partners and may receive compensation. Under CCPA, this may be considered a "sale." California residents may opt out of sale/sharing.
- Pre-match may use a soft credit check; a hard inquiry may occur if you proceed with a lender.
Get the app
Ready to see your options?
Submit your request in minutes and review matched lender options — securely, with no cost to get matched.
Secure request · TLS encrypted
Candidate sections — review and choose which to keep on the homepage.
Before you apply
A quick readiness check — with links to learn more.
Not a gate — a pause to confirm you understand the basics. Each item links to the section that explains it.
You're informed. When you're ready, download the app and submit your request — securely, with no cost to get matched.
Get the app
How it works
Five clear steps — no detours.
From your secure request to lender options. Each step shows what's happening and why we ask for it.
-
01
Onboarding & trust
See how matching works and what data is used — before you enter anything.
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02
Choose an amount
Pick a figure within the allowed range. Instant checks keep it valid.
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03
Your details
Name and contact info, used only to identify you and reach you.
-
04
Address & ZIP
Helps route your request to lenders that serve your area.
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05
Your results
Matched, pending review, or not matched — always a clear outcome.
Your data
Handled securely. Used only for matching.
Your information is processed with industry-standard security and shared only with lenders you choose to proceed with.
- TLS-encrypted transfer, secure servers, access controls.
- Used only for loan matching and verification.
- Shared with lender partners for matching — you choose whether to proceed; we may receive compensation.
- California residents can opt out of data "sales" under CCPA.
