What is Cashry?
We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.
Do you take loan applications?
No. We do not take loan applications, make loans or make credit decisions. We are not a lender, loan broker or agent for any lender or loan broker. We are a marketing lead generator and advertising service. We are not an agent for you or for any lender, and we do not control and are not responsible for the actions of any lender. For details, questions or concerns regarding your loan and the loan process, please contact your lender directly.
How can I submit my registration information?
Your registration information must be submitted digitally via our online form or telephonically. Just select your desired loan type and complete an online loan registration form. Contact us at via email at email@example.com, via telephone at 1-800-949-1705 (toll free) or write to us at Loanry LLC, 23 Corporate Plaza Drive Suite 100, Newport Beach CA 92660 with inquiries or to update your contact information. You assume sole responsibility for providing us with accurate and complete information.
Do you charge me a fee for using the advertising service?
No. We do not charge you any fee for using our advertising service. Independent third-party lenders determine related costs, fees and expenses. For details, questions or concerns, please contact your lender directly.
What personally identifiable information do you collect?
The personally identifiable information that we collect may include, but is not limited to: first and last name,
complete mailing address, email address, telephone number (including mobile telephone number), date of birth,
gender, marital status, occupation, salary range, employment information, Social Security Number, ID
verification information (such as driver’s license number) and such other information that we may request from
time to time. We also request additional information such as information pertaining to your financial situation
and the type of loan that you are interested in obtaining.
How will my registration information be used?
The registration information submitted by you will be shared, either directly or through intermediary entities,
with one or more third-party lenders, who may pull consumer reports on you. The third-party lenders, as well as
intermediary entities, have the option to purchase a given lead from us in order to respond to your inquiry
regarding a loan.
How will I know if a third-party lender has purchased my information?
Upon submission of your online loan registration information and upon purchase by a third-party lender, you will receive notice that you are leaving our website and are being re-directed to that third-party lender’s website. Depending upon how your registration information is submitted, you may also be transferred to a lender via telephone. Please review all information contained on the third-party lender’s website, or otherwise provided by your third-party lender. For details, questions or concerns regarding your loan and the loan process, please contact your lender directly.
Could my lead information be provided to a Indian tribal lender?
Yes, your lead information could be purchased by a lender that is an Indian tribe or affiliated with a tribe (referred to in this FAQ as a tribal entity). Often, you can tell a loan is made by a tribal entity by reviewing the governing law and arbitration provisions in the tribal entity’s loan agreement. You should carefully read the loan agreement and other documents and information provided by each lender. If you don’t understand a provision, consult a trusted advisor for an explanation of the provision and to learn how it affects you. In many cases, the governing law provision in a tribal entity’s loan agreement will indicate that the loan is governed by the law of the tribe, not state or federal law. This may mean that the tribal entity takes the position that state laws do not apply to it because of tribal sovereignty. State laws that the tribal entity may not comply with include usury laws (that is, interest limits). The arbitration provision in a tribal entity’s loan agreement may indicate that disputes will be resolved by mandatory arbitration in accordance with the laws of the tribe; borrower claims may not be brought in state or federal court; and that borrowers are prevented from joining together to sue or arbitrate. These provisions may result in a higher cost product with less legal recourse for you. As a general matter, you should shop many lenders on cost (for example, fees and interest rate) and loan terms (for example, mandatory arbitration) and pick the loan product that is the best deal on the best terms for you. You should not commit to a loan until after you have shopped a number of lenders.
Do you perform credit checks?
No. However, by using our service, you are expressly authorizing third-party lenders to pull your full credit report and obtain consumer reports about you from one or more consumer reporting agencies. Depending on the way a particular consumer reporting agency calculates your credit score, inquiries by potential lenders to consumer reporting agencies, particularly a large number of inquiries, may negatively affect your credit score. Because people often shop for rates when making a home or auto purchase, credit scores often are adjusted so that inquiries that occur with a short period of time are counted as a single inquiry, limiting the impact of the inquiries on the credit score. You can learn more about your credit scores, and how inquiries can affect your scores, at myfico.com.
How is the purchaser of my registration information selected?
The selection of a third-party purchaser to acquire your information may be determined by a comparison of your registration information with available loan products. The position of each potential purchaser may also be determined by the price the purchaser is willing to pay for the information (e.g., the higher the price, the better the purchaser’s position).
Do you guarantee that I will be accepted by a lender?
No. There is no guarantee that you will be accepted by a third-party lender. Lenders consider a number of factors when assessing your request. We will notify you if we are unable to locate a third-party lender that meets your needs. Please feel free to complete a new online loan registration form at any time.
Am I under an obligation to accept an offer once made to me?
No. You are under no such obligation and may even negotiate with prospective third-party lenders. Be certain to evaluate all applicable terms and conditions of loan offers before making a decision. Third-party lenders should not request advance fees, although some may request an interest rate lock fee, an application or processing fee, or an appraisal fee once you have accepted a loan offer. Third-party lenders should not charge you for using our service. For details, questions or concerns regarding your loan please contact your lender directly.
Can I cancel a loan request?
Yes. However, you must contact your third-party lender directly. We do not control and are not responsible for the actions of any lender.
How can I stop unwanted contacts from lenders?
If you do not desire to receive further telephone communications from a lender, you have a right to request that you be put on the lender’s Do Not Call list.
What if I have questions about my loan or loan documents?
Your lender is legally required to provide you with loan documents, and disclose the terms of your loan, including rates and charges. Each lender has its own terms and policies. Always carefully review all loan terms and policies provided by your lender and rely on your own judgment as to whether to obtain a loan. For details, questions or concerns regarding your loan and available loan programs please contact your lender directly.
Do you endorse any lenders?
No. We do not endorse any third-party lenders.
Can I control the registration information that I provide to you?
You are always fully in control of the information that we maintain to service you. You can request that your
information be deleted; however, we reserve the right to retain information necessary to comply with applicable
law, to establish lawful marketing consent, or as part of a fraud investigation.
Can I use your service if I live outside of the United States?
No. Our advertising service may only be used for loans originating in the continental United States, Alaska and Hawaii. This service and offer are void where prohibited.
How can I contact you with inquiries or concerns?
Please contact us via telephone at 1-800-949-1705 (M-F 9:00am – 5:00pm), via email at firstname.lastname@example.org or by writing to us at Loanry, 23 Corporate Plaza Drive Suite 100, Newport Beach, CA 92660.