Your Cash
Your Way

Life can be unpredictable. When you need a financial boost before the next paycheck, Tuo Cash is here. We offer two easy borrowing options to swiftly cover short-term financial gaps.

  • Money in Minutes, Not Days
  • No Security Deposit
  • No Long-Term Commitments
Tuo Financial
Tuo Financial

Your Cash
Your Way

Life can be unpredictable. When you need a financial boost before the next paycheck, Tuo Cash is here. We offer two easy borrowing options to swiftly cover short-term financial gaps.

  • Money in Minutes, Not Days
  • No Security Deposit
  • No Long-Term Commitments
Tuo Cash

Tuo Cash Options

Cash Advance

Small Steps to bigger possibilities.
  • Initial Access: Start with a modest $25 to help you until payday.
  • Rewarding Loyalty: Build trust with us and gradually increase your limit up to $100 through responsible usage.
  • Transfer Options: Conveniently receive funds via ACH or avail of same-day transfers for a nominal fee.

Payday Loan

A partner in your financial emergencies.
  • Borrow More: Access up to $200 when you need a substantial safety net.
  • Better Rates: Enjoy a competitive 365% APR, substantially lower than other payday lender who average 460%.
  • Quick and Easy: No credit checks, no waiting. Get instant decisions on your applications.

Cash Made Simple

Tuo Cash

Apply in Minutes

The process is quick, easy, and secure.

Tuo Cash

Receive a Decision

If approved, simply eSign and finalize your loan.

Tuo Cash

Get Your Money

Funds are deposited as soon as the next business day.*

Tuo Cash

Repay Your Loan

Pay back the loan amount and any fees you might own.

Get Started With Tuo Cash Today

Frequently asked questions

Tuo's Cash Made Simple application provides you with all of your available Tuo Cash options with one simple application! Qualification criteria may vary, but typically you'll need to have a verifiable source of income, an active bank account, and meet certain age requirements.
Getting Tuo Cash won't impact your credit! Tuo's qualification process does not impact your credit score. In the case your account becomes delinquent or defaults, Tuo may report such activity to the various credit bureaus in accordance to the Fair Credit Reporting Act (FCRA) guidelines. To limit the chance of this type of reporting, always do your best to make your payments on time.
Tuo Cash Advance

In the beginning, you'll unlock $25 or more. When we detect recurring deposits in your qualifying linked external account, you'll unlock at least $25 and up to $100. The account must have been opened for at least two months with a positive balance and active.


Tuo Payday Loan

The max Tuo Payday Loan amount is $200. You can borrow any amount up to your loan limit. Your initial loan limit is established based on:

  • Your income
  • The information you provide on your loan application
  • The information in your consumer report provided by a consumer reporting agency

Your loan limit may change based on your credit history with Tuo or a change in any of the above.

Tuo Cash Advance

A Tuo Cash Advance is made available to Tuo Cash members who pay the $4.99 per month membership fee. Tuo doesn't charge any fees associated to the funds used with standard funds delivery. You can choose the optional FastFunds delivery, which is 5% of the advance amount, and get your cash within a day. There's no monthly fee and no interest. Any FastFunds fees and tips are totally optional.


Tuo Payday Loan

A Tuo Payday Loan charges 1% of the original loan amount per day. So if you take out a $100 loan, you will get charged $1 per day until the loan is paid off. For a 14-day loan you would pay a total of $114, $100 in principal and $14 in interest. This equates to a 360% APR, which is over 100% lower than the leading California Payday lenders. If an ACH payment gets returned, Tuo will charge a one-time $15 fee

Payment options vary depending on your loan agreement.

  • You may authorize ACH debit payment(s), debit card payment(s), or set up post-dated check(s) to repay your loan at loan origination. Your paper check(s) may be turned into electronic check(s) that will be presented to your bank on the loan/payment due date(s). Or you may opt to have your paper check(s) physically deposited.
  • You may make your loan payment(s) in any Tuo Cash partner location using cash or your debit card. You may make your loan payment(s) online or over the phone using your debit card.

You can prepay your payday loan in full prior to the due date with no prepayment penalty. And because Tuo charges interest daily, early repayment lowers the overall cost of the loan!

Your loan will be due on the date set forth in the loan agreement.

If your next payday is within 9 days from the date you take out the loan, you can repay on the following payday. The maximum loan term per California law is 31 days.