Advance America customer applying for a cash advance loan

Cash Advance

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What is a Cash Advance and how does it work?

A Cash Advance from Advance America

 

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.

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Getting a loan is as easy as 1-2-3.

1

Start your application now or apply in the store.

2

Get an approval decision within minutes.

3

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 AM ET are typically funded in the morning the next banking day.

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Our knowledgeable staff and personalized money solutions make getting cash as easy as can be.
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How to apply for a Cash Advance

Applying for a Cash Advance is easy!

First, make sure Cash Advances are offered in your state. Depending on your state’s availability, you can submit an online application or stop by your nearest Advance America to apply in person.

Either way, filling out an application – and receiving your instant approval decision – takes just minutes.

What you need to Apply for a Cash Advance

To apply, you'll need the following items:

  • Government-issued ID
  • Source of income
  • Checking account
  • Social Security Number or ITIN (in store only)
  • Personal check (required in some states)

Each state has its own requirements, so the documents needed may vary.

Cash Advance FAQs

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.

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.

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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.

Can I get a Cash Advance online 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.

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 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?

st-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.

Rates & terms

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

Use our loan calculator to explore rates and terms in your state.

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