Cashli: Simple Cash Advance 1.0.10

Cashli offers a financial service that does not require credit checks, interest payments, late fees, or hidden charges. It also does not require a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). The funds provided can be used to address immediate cash shortages, whether for credit card bills, gas, rent, groceries, or other essential expenses—giving users full discretion over their money.

The app is designed to be accessible to a diverse user base across the United States. It is available in three languages to facilitate ease of use for a broad demographic. The platform is particularly welcoming to immigrants, Millennials, Generation Z, and students. To qualify, users must be at least 18 years old, reside in the U.S., and have an active U.S. bank account.

Regarding fees, Cashli charges a modest $3.88 monthly membership fee aimed at covering operational costs while maintaining competitive pricing. Members can cancel their membership at any time using the in-app PAUSE ACCOUNT feature—no hidden terms or tricks. Transferring cash advances to your bank account is free and typically takes a few business days to process. For faster access, users can opt to pay a small fee for same-day transfer, which generally takes a few hours.

Cashli is not a payday lender and does not offer personal loans or other types of credit. The service provides cash advances with an emphasis on transparency; there are no interests or APR charges—zero percent interest. Repayment terms are flexible and are generally scheduled around the user's anticipated direct deposit dates, usually within 2 to 4 weeks after receiving the cash advance. In some cases, repayment deadlines may extend beyond 60 days upon request via [email protected].

For example, if a user requests $75 to avoid a $41 late fee on a credit card (as identified by the CFPB), they repay the full $75 unless they choose to tip us an additional $3 voluntarily, totaling $78.

In addition to providing cash advances, Cashli offers features such as monitoring connected bank accounts and sending notifications when balances are low. Users also gain access to detailed views of recent transactions. Future updates are planned, including a comprehensive financial dashboard that will proactively alert users to potential changes in spending patterns before cash flow issues arise—an approach that contrasts with traditional banks' reactive low-balance alerts.

Concerning data security, Cashli employs AES encryption standards equivalent to those used by major U.S. banks and government agencies to protect personal information. The platform collaborates with Plaid, supporting over 10,000 U.S. banks, to securely analyze transaction data for eligibility assessments and deposits without storing banking credentials. Authentication is handled through secure procedures that can be revoked at any time. Cashli and its partners do not sell user data; their privacy commitment is outlined in detail in their Privacy Policy available at cashli.io/privacy-policy-english.

It is important to note that eligibility for cash advances depends on individual circumstances and creditworthiness; approval is not guaranteed for all applicants. Loyalty benefits increase over time as users build trust with Cashli, potentially allowing larger advances—though initial limits are modest, typically starting below $150. Eligibility criteria apply.

As a Chicago-based company, Cashli affirms its independence from any foreign entities bearing the same name and maintains no affiliations beyond partnerships with Dwolla and Plaid. The services provided are distinct from other financial products or institutions.