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About CashAdvance

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. 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.  

How Does Cash Advance® Work?

Our online service is entirely free and works to find potential lenders in our network. Simply fill out our secure online form, then hit the SUBMIT button. If we find a possible lender, you will be presented with the next steps to complete your loan request. 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. We encourage you to always read the terms of your loan thoroughly before accepting them, no matter where you get your loan.  

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.  


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 shortly after 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.  

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.

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.  

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.  

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 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.  
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