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Is Cash Advance® Right For You?
You need money, and you need it quickly. We've all been there -- we know what it's like to feel like there's nowhere left to turn. Whether it's an emergency situation or an unexpected expense, that's where Cash Advance® comes in. We provide a free service that aims to quickly connect customers with lenders that offer loans that may work for them.
Remember that short-term loans should only be used as last resort options in situations of financial emergency. Make sure to review all terms before agreeing to a loan offer.
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Why Choose Us
Cash Advance® has been a trusted resource for short-term loans since 1997, helping millions of consumers. While there are many companies dedicated to helping consumers get cash quickly, Cash Advance® stands apart by offering a unique level of customer care, security, and a brand that consumers can trust.
We’re a Brand You Can Trust
Cash Advance® has always made a commitment to be upfront, honest, and ethical when dealing with customers. Our mission has never been to push a customer into a loan they don’t want, but to help them find the best short-term loan options in their time of financial need.
Our Service is Free To Use
Using Cash Advance® is completely free and you can use our service as often as needed. The only cost you are responsible for comes after you review and agree to a lender’s terms. Fees associated with the loan will vary depending on your state, the lender, and the amount of your short-term loan.
Large Lender Network
We work with a large network of lenders to try to connect you with a lender that offers a loan that can work for you. When you submit your loan request, it is reviewed by our lender network.
Your Personal Information is Protected
CashAdvance® is certified by two independent services to ensure that your personal information is secure at all times. In order to protect your information from hackers, our site is tested daily, both by Norton. Your privacy and security is important to us. We use advanced encryption technology to protect your personal information.
We are a proud member of the Online Lenders Alliance (OLA), a national organization dedicated to promoting best practices in the online lending industry. Additionally, we abide by the Federal Trade Commission Act, the Financial Services Modernization Act, the Fair Credit Reporting Act, and all other applicable federal laws, including all laws relating to privacy and data protection.
We Care About the Customer Experience
Cash Advance® is dedicated to providing customers with the best possible experience. We strive to make the process as safe, easy, and personal as possible, with our in-house customer service team, educational tools and resources to help customers make good financial decisions, and the care that is taken when evaluating each lender before choosing to work with them. Customers can feel confident knowing that not only is our site safe and easy to use, we also have their best interests at heart.
In order to submit your loan request through Cash Advance®, you need to:
- Be at least 18 years of age.
- Be a U.S. citizen.
- Have a current job, with an after tax income of $1,000 per month.
- Allow for your employment to be verified.
- Have a valid checking account.
- Have a valid home and work telephone number, as well as a valid email address.
Making the Loan Request
Consumers seeking a short-term loan can submit a loan request instantly online. Remember, it is important to fill out the secure form completely, so that we can search our network to help you find potential lenders.
If you are approved by your lender for a short-term loan, the loan amount can often be transferred directly into your bank account as soon as the next business day.
Lenders want to be paid back on their loan, and you don’t want to miss payments. In order to avoid any unnecessary fees or finance charges due to late payments, lenders may automatically withdraw from a consumer’s checking account any loans and loan fees on the loan due date. Your loan can not be conditioned upon repayment by electronic funds transfer or automatic withdrawal. Consult your lender for more details.
Frequently Asked Questions
Cash Advance® is not a lender – we take your short-term loan request and work with our nationwide network of trusted lenders to present you with a list of lenders that will offer you a loan. There is no cost for using our service.
WHAT IS CASH ADVANCE®?
Cash Advance® works to connect customers with short-term loan options, which help provide extra cash in times of need. Short-term loans are meant to be used only as a last resort option and paid back on or before a borrower’s next paycheck. Loan amounts are typically between $100 and $999.
HOW DOES THE SITE WORK?
Customers simply fill out our secure online form, then hit the SUBMIT button. From there, your protected data will only be shared with qualified lenders. If you are connected, you will be presented with the next steps to complete your loan request. Also, typically within a few minutes, you will be contacted by the lender via email or phone. If you are presented with a loan offer, you will have the option to review the terms of the loan, which you may approve or decline.
WHY DO YOU NEED MY BANKING INFORMATION AND SOCIAL SECURITY NUMBER?
Because the lenders in our network need to be able to make a decision on whether or not to offer you a loan, banking and social security information is necessary for them to be able to provide you with an answer on your request.
IS MY CREDIT CHECKED?
Cash Advance® does not perform credit checks. However, we cannot guarantee that a credit check or consumer report will not be performed by a lender.
WHAT ARE THE RATES AND TERMS?
Only a lender can provide you with information on their rates and terms. This will typically happen shortlyafter your loan request is complete, and you are connected with a lender. Cash Advance® does not make credit decisions or determine rates and terms. Remember, you are under no obligation to accept the loan offer if the terms are not satisfactory for whatever reason.
WHY DO I KEEP GETTING HARASSING PHONE CALLS? IS THIS A SCAM?
There are many companies that use the term “cash advance” in their brand name, in their marketing, or somewhere on their website. However, do not be fooled. We are Cash Advance® and have always been in good standing, helping millions of customers a year since 1997.
We never charge for our services, and we never collect money from customers. Our service is and will always be free and unlimited to use.
CAN I QUALIFY FOR A SHORT-TERM LOAN?
You can submit a request for a short-term loan with Cash Advance® if you meet these basic criteria:
- You must have had your current job.
- You must be 18 years of age or older and a citizen or permanent resident of the United States.
- You must have a take home pay of at least $1,000 a month after taxes.
- You must have a current phone number and valid email address.
HOW MUCH MONEY CAN I GET?
You can request a short-term loan from $100 to $999. The amount you are approved for will be determined by the lender you are connected with.
HOW DO I GET THE MONEY?
After your short-term loan is approved the money will be deposited directly into your checking account.
CAN I STILL GET A SHORT-TERM LOAN IF I HAVE BAD CREDIT OR A BANKRUPTCY?
Consumers with bad credit are welcome to submit a short-term loan request on our site. Bankruptcy may be a decisioning factor that lenders in our network use. However, getting a loan with a history of bankruptcy is still possible.
DO I NEED A FAX MACHINE OR PRINTER?
No, you do not need a fax machine or printer in order to use our services. It is advisable to print out your loan contract for your personal records, although it is not required.
HOW MUCH DOES IT COST?
Using Cash Advance® is completely free and you can use our service as often as needed. The only cost you are responsible for comes after you review and agree to a lender’s terms, by signing a loan contract. Fees associated with the loan will vary depending on your state, the lender, and the amount of your short-term loan.
Short-term loans are designed for emergency cash needs only, and are often less expensive than check fees, late charges, and other costs you might incur from overdue payments. Please make sure you review all terms before accepting a loan offer and always borrow responsibly.
IF I ALREADY HAVE A SHORT-TERM LOAN OUTSTANDING, CAN I STILL QUALIFY?
This can depend on applicable laws. For example, some states do not allow more than one short-term loan to be outstanding, and lenders may check third party bureaus to see if you have an outstanding loan.
HOW AND WHEN DO I REPAY THE SHORT-TERM LOAN?
The amount and fees relating to your loan can be withdrawn from your checking account automatically on the due date of your loan. There is no need to make payments or visit any store. You may also request an extension of the loan, if needed, by contacting your lender before the due date. Any extensions on repayment may carry additional fees, depending on the lender. Your loan can not be conditioned upon repayment by electronic funds transfer or automatic withdrawal. Consult your lender for more details.
WHAT IF I’M LATE IN REPAYING MY SHORT-TERM LOAN?
The lenders in our network follow different policies regarding late payments. You should review andunderstand the late payment policy specified in the lender’s loan documents before accepting the loan terms and signing the loan agreement (which constitutes a legal obligation to repay the loan). State laws regarding late payment fees determine how much lenders can charge a delinquent borrower in penalties.
HOW DOES THE RETURN CUSTOMER FEATURE WORK?
In order to make sure our returning customers experience maximum convenience, we do the work for you! When you return to Cash Advance.com, locate the Existing Customers login box at the top of our homepage, or visit our Account Center. Then enter your Email and Password we sent you after your first loan request and you will find your next loan request form is already filled out for you. Simply review the information to make sure it is correct, update your next pay dates, and submit the form. It’s that fast and easy! Also, make sure to always keep your Password in a safe place.
WHEN CAN I SUBMIT A REQUEST FOR ANOTHER CASH ADVANCE?
You can submit a request at any time. Your short-term loan request is always free no matter how many times you submit.
HOW DO I RETRIEVE MY CUSTOMER ID AND PASSWORD IF I LOSE IT?
In the Existing Customers login box at the top of the homepage or in the Account Center you will see the link “Forgot your Password?” Simply click and you will be prompted to enter your email address. Your Password will then be emailed to you instantly. If you receive a pop-up saying you are not in the system then you will need to submit a loan request and a Password will be assigned to you.
HOW DO I CHECK THE STATUS OF MY SHORT-TERM LOAN REQUEST?
You will either receive an email or phone call within a few minutes of submitting your loan request if you have been pre-approved. Be sure to check your email, spam folder, and voicemail. If you need further information, feel free to call customer service at 1-800-380-2274.
HOW DO I CHANGE OR UPDATE MY PERSONAL INFORMATION?
Log into your Account Center and locate the information on the loan request form. Update any information that needs changing and when you submit the loan request this information will then be updated in our system. Also, you may contact us for help with any specific changes.