Sometimes we get in a tight spot and need money immediately for a one-time emergency or to simply to put food on the table. That has many people looking to bad credit loans and cash advances to help them get by in today’s economy. ClickCashGo is a marketplace to put people in touch with bad-credit loan service providers. Is it a good option for you if you’re in need of cash right now? Here is my honest ClickCashGo review…
What is ClickCashGo?
ClickCashGo.com is a loan marketplace that puts people with bad credit in touch with lenders. Because the site is geared towards people with bad credit, credit checks aren’t always necessary. However, interest rates can be extremely higher on many of these high risk credit loans.
The site is designed to help match people with small personal loans and other types of financing. Purposes for financing can vary widely and can be as little as $500. Here are the requirements for loan consideration:
- Be at least 18 years old
- A United States citizen
- Steady source of income (no exact amount disclosed)
- Have a bank account with direct deposit
- Credit rating from good to poor
You also won’t be able to submit information to ClickCashGo if you are located in my state (Georgia) or any of the following states:
- Arizona
- Arkansas
- Massachusetts
- New York
- Ohio
- Pennsylvania
- West Virginia
My ClickCashGo Review
Personally, ClickCashGo isn’t something I would ever use myself. There is no reason my husband or I would look into a high-interest payday loan or cash advance. If I was looking for a loan today and my credit worthiness limited my options, would ClickCashGo.com be a good option?
ClickCashGo is a site that puts you in connection with loan service providers. While it is not the provider itself, it collects information and passes it to lenders who may be willing to take on your risk. For people with bad credit, ClickCashGo, or Click Cash Go as some might prefer, can find loans that can cater to your specific needs (up to $35,000). The unfortunate element here is that ClickCashGo.com does partner with some not-so-great lenders. Interest rates on loans through the marketplace can run from 3.99% up to 35.99%. I wouldn’t hold my breath on anything close to 3.99%.
Thankfully, you are not obligated to pay anything unless you accept the term agreement. If you do not accept, you will not be held responsible for payments. If you’re not clear on the terms, seek legal assistance from someone or an entity that has your best interest at heart.
Read: What is the Chime App and is the Neobank Worth Your Time?
Click Cash Go Contact Information
As you navigate the webpage, you’ll notice it is missing a “Contact Us” section. For a company that initially requires your SSN to conduct business, it is surprising that there is not a simple means to contact an actual representative to answers questions and address concerns. A contact phone number is asking too much. But there is in fact a way reach the marketing team behind ClickCashGo.com.
If you scroll to the bottom of the FAQ section of the webpage, you’ll find an email address and mailing information which can be used to contact Dynomite Marketing, and yes, that is the correct spelling. For even more contact information, navigate to dynomitymarketing.com and you will find their telephone number (1-888-342-0007) and additional email addresses.
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A General Note on Transparency
When you look at other ClickCashGo.com reviews posted online, most outlets note transparency being an issue. Some sites have the service as low as three out of 10 stars for transparency. In many cases, this is due to the terms not being very clear. This website itself is extremely basic with not much contact information on the business itself. To make matters worse, the service uses a sneaky tactic to collect your personal information.
Even if you decide to stop here due to cold feet or second thoughts due to privacy concerns, ClickCashGo now has your address, name, email address, and phone number to be used as they please. ClickCashGo may also give your information out to loan service providers which my lead to predatory practices even if you’re denied a loan. While an questionable business practice, it doesn’t mean that ClickCashGo is a scam.
Is Your Low Credit Score Holding You Back?
High interest rate loans are directly tied to your credit score and payment history. Self Inc offers a Credit Builder Account which allows you to build your savings and credit score at the same time by reporting your monthly deposits to the 3 big credit bureaus; Equifax, Experian, and TransUnion. The average user who make on time payments can expect to see a credit score increase of 49 points.
Conclusion
When it comes down to it, ClickCashGo is legit, but still a payday loan and/or cash advance service. Unless it is absolutely necessary, these types of loans should be avoided at all costs. Not only do they come with a much higher interest rate, but they will keep you in the mindset that living with debt is simply a part of life. If you’ve ran out of options, it’s still ok to shop around and try to find lenders to beat your last offer.
To truly further your own debt freedom goals, make loans like this mentally not an option. This will help keep you from falling victim to predatory lending or picking up unneeded debts along the way. Here are 4 daily habits to keep you motivated and put a dent in your debt.
Readers, have any of you used ClickCashGo or similar services? What was your experience?
