YouCashNow.com allows people in need of cash to receive loans of up to $1500.00 in as little as 24 hours without any credit checks. In order to apply for this loan, users will need to supply several pieces of information as well as references. An online application will need to be filled out and then be sent for approval. The loans offered on the site are known as payday loans or cash advances and are short-term personal loans that are collateralized against the applicant’s next pay check. The assigned lender will review the application, request faxed documentation if necessary, contact the applicant by phone in order to review the information provided, and finally notify of approval or denial. Once the application has been approved the lender will advance the money overnight either through electronic transfer or directly to the applicant’s checking account. The information needed consists of personal contact information, banking information, employer and income information, and references.