The tag line at ThinkCash says it all – here you can avail short term loans to cover any unexpected event in your life. This is a good site to check out if you have a sudden cash requirement as the site offers ready access to a loan in quick time.

There are quite a few points that you could call their USPs - quick access to money, flexibility when it comes to credit history, no paperwork, low rates, and easy installments for repayment.

You can apply for a loan of between $250 and $2,500 at ThinkCash. You have the benefit of getting easy installment loans – unlike in the case of pay day loans, ThinkCash gives you the option of repayment in easy installments that do not burn a hole in your pocket. You also have the option of repayment at one shot, with no penalties involved. There are penalties in place, of course, should you pay late or miss a payment.

There is also the added advantage of being able to apply for a loan despite bad credit history. Bad credit loans are usually a no-no in the case of most other online lending websites. This is not the case with ThinkCash, though with a bad credit history, it is for the lender to decide how much you can get as a loan.

All it takes to start the loan application process is for you to fill up the online form at the website. The loan, however, does not come directly from ThinkCash; it merely provides the platform for you to access the loan. The loan offer itself is from First Bank of Delaware, an organization with no affiliation to ThinkCash.

There are other advantages to applying for a loan at ThinkCash. For starters, the loan is paperless and is available fast. This is very unlike the scenario in a traditional bank loan, where approval takes time and the loan itself may take days to materialize. At ThinkCash, we are talking about approval in seconds and the loan reaching you by the next business day.

With a rate that is at least 25% to 75% lower than the rates available for payday loans, ThinkCash stands out in comparison to companies offering pay day loans or cash advances.

At ThinkCash, you pay just $1 a day for every $100 for a short term loan, which is minimal, compared to the $20-$30 you would have to pay at other online loan avenues. For a large loan, the rates are even lower, going as low as 24 cents per $100 borrowed.

The company also claims a total lack of hidden charges, something that you come across in many of the other online lending organizations. Besides, if you are an existing customer, you can also earn by referring friends to the website.

However, while all this is presents a rosy picture, ThinkCash also takes its own precautions to ensure it does not end up with poor borrowers making off with large amounts of cash.

Basically, what you apply for may not be what you end up getting, depending on a number of factors – your credit ratings, your payment history with the site, the information you supply in your form, etc.

Coming to the interface itself at ThinkCash, the site is certified safe from hackers, and has a neat look about it. ThinkCash has the looks of a no-frills site that delivers what it says it will.

** Sponsored Review