Getting cash immediately can be tricky when your paycheck doesn't clear for another two weeks, which is why places like Cash Biz exist. When you don't have the cash you need, and a bank loan would take too long to get, or you don't qualify, sometimes you need to turn to payday loans. Cash Biz calls itself a short-term cash solution, which is really just another name for a payday advance service.
Rules vary on how much you can borrow, what you'll pay back in APR and fees, and how often you can take out these small-dollar, high-interest and short-term loans. The laws are different state to state, and even in different cities. In Houston, you have your option of applying in person at a store or you can apply for a short-term loan online.
Although the address bar doesn't display the telltale sign (https) that the site is secure, Cash Biz claims your data is protected when you apply online. If you're uncomfortable submitting your information online, though, you can find a storefront for a payday loan in Houston. The stores in Texas are called Cash Zone, but Cash Biz is the Credit Access Business (CAB) which acts as a middleman for third-party lenders, required by Texas law. Approval is almost immediate, and if you apply for a loan in a store, you could get the funds needed on the same day.
The fees and rates are outlined clearly in a short description for Texas on the Cash Biz website, but you won't find extra information on what you would end up paying in fees if you decide to roll over your loan. Also missing is any educational information on how to avoid debt and how to repair your credit as well as any other information on financial health, which is common with most payday loan services.
If you need to contact customer service, your best bet is through the online form on the Cash Biz website. The only phone number listed is for the corporate office. As with all payday loan services, you have a few days to change your mind, give back the loaned money and end the contract.
Cash Biz is an online payday and installment loan provider that works to find a lender for you almost immediately after you apply. The fees are high, as they are with any payday loan service, but you have a grace period in which you can change your mind on the loan.