What is Extra Cash Advance - HopCash?
Extra Cash Advance - HopCash provides a personal-financing inquiry that users may choose to submit for independent review by Hatch Bank. Submitting an inquiry does not guarantee loan approval or funding. Submitting an inquiry does not promise instant funding.
Who operates the App?
SEPFIN SAS, registered in Colombia, with support email [email protected].
Which bank is identified for financing?
Hatch Bank, FDIC Certificate 25803; see the official FDIC listing. The bank independently decides any application it accepts.
Is the App itself a lender?
No. The App operates an introductory referral process; the lending institution determines any offer and contractual obligations.
How do I make an inquiry?
Select the requested amount, complete the financing-request form and choose whether to authorize its submission to Hatch Bank.
What information is shared with the bank?
The requested loan amount and the identity, contact, residence and financial information supplied in the authorized financing inquiry.
What amounts does the program describe?
The range is $100 to $2,500 USD; the lender may offer a narrower selection or decline a request.
What APR range is described?
The program is limited to 5.99%–35.99% APR, including applicable fees counted in APR. State law and the bank's actual disclosures control.
What is the repayment period?
The range is 61 days to 60 months. It excludes loans that require full repayment in 60 days or less.
What is an example of the borrowing cost?
Illustrative example, not a loan offer. A $1,500 loan at a fixed 24.00% APR for 12 months, assuming monthly amortization and no additional fees, would have 11 monthly installments of $141.84 and a final installment of $141.83. The total repayment would be $1,702.07, including $202.07 in interest. For a hypothetical loan funded on January 1, 2027, installments would be due from February 1, 2027 through January 1, 2028. Any actual lender offer must show its APR, fees, total amount payable, first and subsequent due dates, and repayment schedule before acceptance.
When would the first payment be due?
Any actual offer identifies the date of the first payment and all subsequent installments in the lender's written disclosures.
Is loan approval guaranteed?
No. The lender alone reviews and decides whether to extend an offer.
Will funds arrive instantly?
No funding speed is promised by the app; timing depends on lender review and payment procedures.
Does the App guarantee approval without a credit check?
No. The lender may conduct an authorized credit inquiry and verify applicant information.
Am I required to accept an offer?
No. A request does not require acceptance of a loan offer.
Does the App charge to submit an inquiry?
Submitting a request is free; any loan finance charges must be disclosed by the lender.
Does referral consent permit advertising messages?
No. Marketing, telemarketing and cross-app tracking require their own applicable permissions.
Can I refuse advertising tracking?
Yes. AppsFlyer measures installation attribution and campaign performance. Cross-company tracking that requires ATT permission follows your iOS choice. Refusing tracking permission does not block loan requests.
Are push notifications optional?
Yes. OneSignal manages optional push notifications. You can decline or disable notification permission in iOS Settings without affecting your financing request.
How can I request data access or deletion?
Write to [email protected] for operator-controlled data; the bank responds separately for bank-held information.
Where can I raise a complaint?
Technical and privacy concerns go to the operator. Credit decisions, contracts, repayment and collections go to the bank and the appropriate regulator.