Advance America customer applying for a cash advance loan

Cash Advance

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"What made my experience great was being able to borrow the money right back an Advance America makes that possible thank you"

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Get the money you need, when you need it.

What is a Cash Advance and how does it work?

A Cash Advance is a fast and convenient way to get money on the spot when you need it most. Also known as a Payday Loan, this short-term loan is available in small dollar amounts that you pay back in full on your next payday. 

Getting a Cash Advance from Advance America couldn’t be easier. Whether you apply in-store or online, we can help you get the money you need to keep moving forward.  


How to use a Cash Advance

Cash Advances are intended to alleviate temporary financial hardships. These short-term loans can be a lifeline between paychecks, providing relief when you need it most.
  • decorative iconRent or mortgage
  • decorative iconGroceries
  • decorative iconUtility bills
  • decorative iconUnexpected repairs
  • decorative iconBack-to-school costs

Getting a Cash Advance is as easy as 1‑2‑3


Start your application online or apply in the store.


Get approved within minutes.


Receive money same day.*

*Online approvals before 10:30 am ET (M-F) are typically funded to your bank account by 5 pm ET same-day. Approvals after 10:30 pm ET are typically funded in the morning the next business day.

Cash Advances with bad credit

You could get approved for a Cash Advance even if you have bad credit. Credit is not the only factor Advance America considers when reviewing a Cash Advance application.

Get ready for your store visit

To apply for a Cash Advance at Advance America, you'll need the following items.

  1. Government-issued ID
  2. Proof of income
  3. Checking account
  4. Social Security Number or ITIN

Benefits of Cash Advances

Here are some of the benefits of getting a Cash Advance from Advance America.

Person discovering the benefits of Payday Loans
Advance America

Easy application

These loans come with easy applications that you can complete in just a few minutes. Advance America lets you apply online or in-store, so you may be able to fill out an application form from the comfort of your home.

Advance America

Quick approval

Advance America offers an instant approval decision, so you may find out right away whether you’re approved for a loan. If approved, you can receive the funds the same day you apply or within 24 hours.

Advance America

Good credit not needed

Advance America has less strict credit requirements and approves borrowers with all credit score levels. We consider factors in addition to your credit score when deciding whether to approve you, like your income, employment history, and current debts. This means that you can still get approved if you have poor or fair credit.

The Advance America advantage

25+ years in business
Providing 5-star customer experiences has made us a leading provider of consumer financial services since 1997.
157+ million loans issued
Thanks to our knowledgeable staff and personalized money solutions, we make getting cash easy.
800+ stores
Whether you’re down the street or on your phone, the money you need is always within reach.

Cash Advance rates & terms

Short-term loan fees are regulated by state law, but you can usually expect to pay $15 per $100 borrowed. 

So, how do Cash Advances compare to other short-term payment solutions? Our loans are typically the least costly option compared to bank overdrafts, late payment penalties, and utility reconnection fees. 

More on Cash Advance rates & terms

Cash Advance FAQs

What is a Cash Advance fee?

The fee is an extra cost you'll be charged to borrow money. Typically, our fee is about $15 for every $100 you borrow.

Keep in mind that fees can vary according to state regulations.

How can I get a Cash Advance instantly?

Depending on the loan options available in your state, you may be able to apply online or in person. With either option, you can get money the money you need as soon as the same day* you’re approved.

Apply online now or visit your nearest Advance America location to get started.

Are Cash Advances regulated?

Yes. Advance America complies with all applicable state and federal laws and regulations, including those of the Consumer Financial Protection Bureau. As members of OLA, we adhere to all industry best practices to provide the most beneficial, responsible personal loan services.

Are online Cash Advances safe?

With Advance America, you can be confident that all the information you submit on your application is sent through a secure server and kept in a protected database. One way to verify a website’s security is to look for the padlock icon in the URL address bar, which tells you the site is secure and encrypted.

For more details, please view our Privacy Policy and Security Information.

Is a Cash Advance from Advance America legit?

Absolutely! Same-day funds* may sound too good to be true, but we understand that when you need money, you need it fast. That's why we offer a simplified application process and instant approval decisions – not to mention friendly, knowledgeable staff who are always happy to help.

How much can I borrow with a Cash Advance from Advance America?

The maximum amount you can borrow with a Cash Advance is regulated by state law. Your current income will also determine how much you qualify for within that range.

Discover the loan amounts available in your state.

Is a Cash Advance the same as a Payday Loan?

Yes, a Cash Advance is also known as a Payday Loan. Whichever term you prefer, it is a short-term personal loan due in full on your next pay date.

Is a Cash Advance a short-term cash solution?

Yes. Unexpected expenses arise suddenly, requiring immediate financial assistance. A Cash Advance from Advance America can be an ideal short-term solution when you need extra money between paychecks.

Will applying for a Cash Advance affect my credit?

No, applying will not affect your FICO credit score. We may receive credit information from third-party data sources when reviewing your Cash Advance application, but we do not perform hard credit checks.

How old do you have to be to get a Cash Advance?

In most states, you must be at least 18 years old to apply for a Cash Advance. Exceptions do apply.

Can I pay off my Cash Advance early?

Yes, you can pay off your Cash Advance before the due date without facing any prepayment penalties. Log in to your online account or contact Customer Care to make a payment or pay off your loan.

Can I renew or refinance my Cash Advance?

We follow all federal and state laws, so the ability to refinance short-term loans depends on your state’s regulations. To learn whether you can refinance your Cash Advance, please call us at (844) 562-6480 or contact your local Advance America store.

What if I can't pay or am late repaying my Cash Advance?

Past-due payments may impact your ability to take out future loans with Advance America or other lenders. We’re committed to the fair and lawful collection of past-due accounts and can work with you to establish payment arrangements.

If you anticipate being unable to repay your Cash Advance on time, please get in touch with your local store or call us at (844) 562-6480.

When will my Cash Advance be due?

Since this is a short-term loan, your Cash Advance is due in full on your next pay date. The exact timing depends on your pay schedule.

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