One Click Cash is one of the old Native American lenders. They've been around long before the majority of the more popular tribal lenders (like Plain Green Loans and Great Plains Lending) started to show up.
The tendency is that the more established Native American lenders have the easiest (read that as the smallest) application forms and the most streamlined process. Why is that? Most likely it's due to the fact that when these companies got started (circa 2009 to 2011) there were not as many concerns about how long a potential customer had been on the job or how much they were making before taxes.
The question simply was do you have a job? And that was it. As time marched on the tribal loan companies became more selective and more sophisticated in the type of customer they wanted to procure, rather than the older firms that just wanted as many bodies through their digital doors as possible.
One of those very early tribal lenders was (and still is) One Click Cash. This is one of the oldest remaining tribally affiliated loan operators. This company was around before 500 Fast Cash and United Cash Loans, and both of those lenders are now considered dinosaurs in the world of tribal lending.
One Click Cash has preserved their same lending program, which is not very interesting considering the many newer options that have materialized since One Click Cash got started. Lending firms like Mobiloans, Plain Green Loans, Spotloan, Great Plains Lending and RadiantCash have all entered the online lending market and they all offer better terms than One Click Cash.
One Click Cash is interesting because of just how uninteresting they operate. The company acts as if they are in a time warp as they have made no noticeable change to their website, or lending program policies, in several years. If a person came across the One Click Cash site in 2009 and waited six years, then decided to return to the site in March of 2015 they would find the identical (boring) website.
Perhaps there is a reason there have been no changes to the site. The old saying "if it ain't broke don't fix it" might be at work here; if the company has been making money this whole time without the need for expensive website updates then they know what they are doing.
As far as making a determination as to whether One Click Cash is a good decision for a loan, I think it's pretty obvious which way I will lean in that situation. The only option I would leave open is if all the other tribal lenders (all the companies we have talked about, plus some others like Peak Lender, American Credit Line and Mountain Summit Financial) were no longer or capable of dealing with you, then (and only then) would I say it's alright to settle on using One Click Cash. But that is the only situation because in general this is one of the least interesting of the 200 plus Native American lenders that are currently in business. Remember just because you qualify for a loan doesn't mean that you should automatically agree to take on the burden of that loan.
Website doesn't seem to be working. Also looks like it's based just in the UK
Posted by: Kim | 03/10/2015 at 09:33 AM