cash loan amounts

If you sign up for EXP's CreditExpert or EQ's CreditWatch - the free 30 day trial - you can get it online right then.
That would mean that lenders would have to go back to looking at things like character and capacity rather than just a number.
In your situation, you are not "paying the account in full" but rather settling for an amount that is agreeable to us.
(Cash loan amounts) Don't know how they handle in the snow because I left Maine 6 years ago and will only drive snow while skiing