cashinsecond
Cashinsecond operates an online loan referral marketplace connecting individual consumers with a network of third-party lenders for personal loans ($100-$35,000), payday loans, and credit-education content, earning referral fees of 2-5% across the US, Canada, and Australia.
- Company typePrivate
- Founded2007
- HeadquartersSheridan, United States
- Headcount251–500
- GTM typeB2C
- OfferingServices
What cashinsecond does
Cashinsecond, LLC is a privately held online loan referral marketplace founded in 2007 and headquartered at 1309 Coffeen Avenue, Sheridan, Wyoming. The company connects individual consumers seeking personal credit with a network of third-party lenders via a self-serve web platform accessible 24/7 across all 50 U.S. states, plus Canada and Australia. The core offering matches applicants — who complete a brief online form — with lenders willing to extend personal loans of $100 to $35,000 over 3-7 year terms, as well as short-term payday loan referrals. Cashinsecond is not itself a lender, broker, or agent; lending decisions, underwriting, and fund disbursement are carried out exclusively by network lenders.
The platform's underlying technology is a standardized online intake and matching engine that conducts soft credit checks for pre-qualification and forwards applicant data to lenders and third-party lender networks. Marketing and customer acquisition are executed through the company's website, an educational blog covering credit scores and credit repair, and applicant referral programs. Add-on modules include Credit Repair educational content and Credit Score Monitoring guidance, both positioned to capture top-of-funnel traffic.
The business model is an affiliate-style referral arrangement: the service is free to consumers, and Cashinsecond earns approximately 2-5% in referral fees from lenders when an applicant is funded. Originally chartered to deliver capital to small businesses, the company has since repositioned as a primarily consumer-facing horizontal lender-connection platform. With 251-500 employees, $6 billion+ in cumulative disbursed capital across its network, and CCPA-compliant operations, Cashinsecond operates as a mature, mid-sized private entity with no disclosed parent company, institutional investors, or venture funding.
cashinsecond firmographics
Firmographics- Name
- cashinsecond
- Legal name
- cashinsecond, LLC
- Website
- https://cashinsecond.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Cashinsecond operates an online loan referral marketplace connecting individual consumers with a network of third-party lenders for personal loans ($100-$35,000), payday loans, and credit-education content, earning referral fees of 2-5% across the US, Canada, and Australia.
- Ownership category
- akta.pro rank
cashinsecond industry classification
Industry- Product category
- Loan Referral Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Short-Term Credit Broking & Lead Generation (FSAKAMAN)
- akta.pro secondary industries
- Cash Advance (Online & Storefront) (FSAKAMAC), Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)
Keywords
Where cashinsecond is headquartered
LocationHeadquarters
- HQ city
- Sheridan
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
cashinsecond business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations
Revenue model
- Lender Referral Fees: The company provides a free service to consumers. Revenue is generated by earning a 2-5% referral fee from lenders when a consumer gets funded. This is an affiliate/referral model where the company connects borrowers with lenders in its network.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Personal Loan - $100 to $35,000 |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
cashinsecond product offering
Product offeringCore offering
Cashinsecond operates a free online loan referral platform that connects individual consumers and small business borrowers with a network of third-party lenders. The company does not lend directly; instead, it collects borrower information via an online form, performs a soft credit check, and forwards qualified requests to lenders in its network who may approve and fund the loan. The company earns a 2–5% referral fee from lenders when a consumer is funded, and offers personal loans ($100–$35,000), payday loans, lines of credit, and long-term loans with no fees charged to borrowers.
Product overview
Cashinsecond operates a loan connection/matching platform that connects consumers seeking loans with third-party lenders in their network. The core offering is a loan referral service comprising Personal Loans (ranging from $100 to $35,000 with 3-7 year terms) and Payday Loans. The platform includes complementary services: Credit Repair guidance for users with poor credit history and Credit Score Monitoring tools to help borrowers understand and improve their credit standing. The company earns revenue through referral fees (2-5%) from lenders when borrowers get funded, at no cost to consumers.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loans Loan referral service that connects individual consumers with third-party lenders offering personal loans ranging from $100 to $35,000 with repayment terms of 3 to 7 years. Evaluates borrower eligibility via soft credit checks and matches applicants with lenders in the Cashinsecond network. Targeted at individual consumers across most credit situations who need personal financing for bills, medical expenses, car repairs, debt consolidation, or other personal needs.
- Payday Loans
- Line of Credit and Long Term Loans Referral product line launched in 2015 that connects borrowers with third-party lenders offering revolving lines of credit and longer-term loan products, complementing the company's existing personal and payday loan referral offerings.
Quantifiable outcome
- Loan approval within same day with funding available next business day
Companies that use cashinsecond
Customer profileSegments2 records
Ideal customer profiles2 records
cashinsecond technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
cashinsecond partnerships and signals
Strategic signalScale indicators3 records
Recent moves5 records
Expansion highlights4 records
cashinsecond competitors and assessment
Company assessmentDirect peers
- Fiona: Fiona (formerly Even Financial) is a financial products marketplace and search platform that matches consumers with loan, credit card, and insurance offers from partner providers. Operates in a near-identical referral aggregation model to Cashinsecond.
- Credible: Credible is an online loan marketplace that lets consumers compare personal loan, student loan refinance, and mortgage offers from multiple lenders via a single application. Same referral/marketplace model and consumer credit focus as Cashinsecond, with a more modern UX.
- LendingTree: LendingTree operates a leading online loan marketplace connecting consumers with multiple lenders across personal loans, mortgages, and other credit products. It is the most directly comparable peer to Cashinsecond in terms of model (referral/marketplace) and customer base (consumer credit seekers), though it operates at much larger scale and broader product breadth.
- CashNetUSA: CashNetUSA (owned by Enova International) is a direct online payday and installment loan lender that also operates lead aggregation/connection services. Highly relevant peer given overlap in short-term credit and subprime customers.
- BadCreditLoans.com: BadCreditLoans.com is a loan connection service specifically targeting subprime borrowers, matching them with lenders willing to extend credit to consumers with poor credit. Highly comparable to Cashinsecond's subprime/emergency cash segment.
- Personalloans.com: Personalloans.com is an online loan connection service that matches applicants with lenders offering personal loans across a wide credit spectrum. Closely matches Cashinsecond's core personal loan referral business and non-prime customer focus.
Broad incumbents
- MoneyLion: MoneyLion is a broader consumer fintech offering personal loans, credit builder products, banking, and investment products. Overlaps with Cashinsecond on personal loan origination, but serves as a full-stack incumbent with a balance sheet, app, and financial membership.
- Rocket Loans: Rocket Loans is a direct online personal loan lender owned by Rocket Companies. Competes with Cashinsecond on personal loan demand but funds loans on its own balance sheet, bypassing the marketplace model.
- Upstart: Upstart is an AI-driven lending platform that partners with banks to originate personal loans. Competes with Cashinsecond in the personal loan space but operates as a technology-enabled originator and capital provider, not a pure lead gen marketplace.
Emerging players
- Earnin: Earnin is an earned-wage-access fintech offering paycheck advances and cash-out tools to consumers. Targets the same emergency-cash-need use case as Cashinsecond but with a different (non-loan) delivery mechanism, representing an emerging alternative to traditional payday/short-term credit.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks7 records
Key highlights7 records
Customer concentration
cashinsecond social profiles
Digital presencecashinsecond compliance and trust
Trust signalCompliance1 record
cashinsecond financial estimates
Financial estimateRevenue estimate
Valuation estimate
cashinsecond leadership team
Management profileNumber of profiles
cashinsecond funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
cashinsecond M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about cashinsecond
What does cashinsecond do?
Cashinsecond operates a free online loan referral platform that connects individual consumers and small business borrowers with a network of third-party lenders. The company does not lend directly; instead, it collects borrower information via an online form, performs a soft credit check, and forwards qualified requests to lenders in its network who may approve and fund the loan. The company earns a 2–5% referral fee from lenders when a consumer is funded, and offers personal loans ($100–$35,000), payday loans, lines of credit, and long-term loans with no fees charged to borrowers.
Is cashinsecond a public or private company?
cashinsecond is a private company. It is classified as unknown and is currently operating.
When was cashinsecond founded?
cashinsecond was founded in 2007. It employs 251 to 500 people.
Where is cashinsecond based?
cashinsecond is headquartered in Sheridan, United States, in the North America region.
How does cashinsecond make money?
One revenue line is on record: lender Referral Fees.
Who are cashinsecond's main competitors?
Direct peers on record are Fiona, Credible, LendingTree, CashNetUSA, BadCreditLoans.com and Personalloans.com. Broad incumbents are MoneyLion, Rocket Loans and Upstart. Earnin is listed as an emerging player.
Does cashinsecond have an API?
No public API is recorded for cashinsecond.
What industry is cashinsecond in?
cashinsecond's product category is Loan Referral Services. Its primary akta.pro industry code is FSAKAMAN, Short-Term Credit Broking & Lead Generation, with a secondary code of FSAKAMAC, Cash Advance (Online & Storefront). Its NAICS code is 522310 and its SIC code is 6163.