There are a variety of fast cash loans available, and the application and approval process is fast and easy. Many loans can be applied for online, and although you’ll need some personal and financial information, it typically only takes a few minutes to apply. Another big advantage of these loans is that you can still be approved even if your credit is less than perfect; many lenders aren’t concerned about your credit, just your income. The approval process is just as fast too and you can often have your funds the same day you apply, deposited into your bank account and instantly available. The money can then be used how you like, and there are no requirements or restrictions as to how you spend it. When it comes to paying back your loan, term lengths vary and you can also pay back more than the minimum amount.