Lets face it "Life Happens " to everybody usually at the most inconvenient time.Traditional lenders have tighten up underwriting requirements making it almost impossible for most younger Americans 21 - 28 yr old to obtain credit. Ameri-Cash provides small, well secured short term loans from $100 -$1000, in the form of Deferred Presentment Agreements ( Payday Loan ) max $300 or small consumer loans secured by automobile from $400 to $1,000 ).