How SonicCash Loans Work

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Easy 3-step Process



About SonicCash


Apply online

– Apply online or by phone. No faxing necessary! *
– Get an instant approval decision.
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Receive Cash

– Funds will be automatically deposited into your bank account the next
business day. We will automatically debit your account on your due date.


Loan Funding

If your application is approved by 6 pm EST, the funds will be electronically transferred (ACH) to your bank that day (Monday through Friday excluding bank holidays). Weekend requests will be treated as though they are Monday requests. The funds should arrive at your bank the following BUSINESS DAY. **


  • Employment: Verifiable source of income for at least 1 month (Job, SSI,
    Disability, Alimony, Child Support).
  • Income: Net income of at least $2000.00 per month (take home pay).
  • Other Loans: No more than two outstanding loans with other companies.
  • Account: Valid checking account with a positive balance (no outstanding Non-Sufficient Funds checks).
  • Age: Minimum 18 years old.
** Note: Some banks can take two (2) days to process and transfer the funds into your account. You can contact the ACH department of your bank to verify that the funds have been credited to your account.
  • Disclaimer: This website does not constitute an offer or solicitation to lend. is not a lender and does not make loans or credit decisions. provides a matching service only and is not acting as a representative, agent, or correspondent for any of the lenders we contract with. does not control and is not responsible for the actions or inactions of any lender. does not endorse any particular lender or loan product. You are under no obligation to use SonicCash's service to initiate contact, or apply for credit with any of the lenders. This service is not available in all States and the service availability and scope are subject to change without notice. Subject to our Privacy Policy, will transfer your information to lenders in our program and other service providers and marketing companies with which we do business. does not guarantee that completing an application form will result in your being matched with a lender, being offered a loan product with satisfactory rates or terms, or receiving a loan from a lender.
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