It's a loan that can provide you with needed extra cash before your next pay date! The number of payments as well as payment amount is pre-set when the loan is obtained, and the amount of the loan is usually between $100.00 and $1,500.00.

Yes, it's easy to qualify! To apply for a loan, you only need:

You can apply for any amount between $100.00 and $1,500.00. The amount you are approved for will be determined from the information submitted on your application.

After your installment loan is approved, the money is electronically deposited into your checking account and available the next business day.

Yes, you can! You don't need good credit to receive a loan — your regular source of income is your security. Lucent Cash does not utilize traditional credit bureaus in the same manner employed by other lenders. By completing and submitting the application on this website, however, you acknowledge that you are applying for a loan. As part of our underwriting process, we verify applicant information through certain national databases including — but not limited to — Clarity, DataX, and Factor Trust; we may pull your credit to determine your eligibility and ability to repay.

Application and verification times vary, but most can be completed within a few minutes.

These items are not required. We may need to speak to you by phone to finalize your application process, and other details may be resolved via email, text message, or live chat on the occasions we may need additional banking and employment verification information. You will only need a printer in the event you wish to print out a paper copy of your loan agreement.