Advance America customer applying for a cash advance loan

Cash Advances

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Get the money you need, when you need it

A Cash Advance from Advance America

A Cash Advance from Advance America (also known as a Payday Loan) offers you a fast and simple way to get money on the spot when you need it most. It is a short-term loan available in small dollar amounts that is paid back on your next payday.

Getting a loan from Advance America is quick and convenient. They are available in store or online. Availability varies by state. We’ve made it easy, so you can keep moving forward. Already have an account? Login

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What are Cash Advance loans and how do they work?

Cash Advances help when you need money before your next paycheck.

This two to four-week loan allows you to pay what you owe on your next payday. You can receive the funds you need the same day you apply. The process for getting one is simple:


Start your application now or apply in the store.


Get an approval decision 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 AM ET are typically funded in the morning the next banking day.

Cash Advance questions

What is a Cash Advance fee?

The fee is an extra cost you’ll be charged to borrow money. Typically, you’ll have to pay a $15 fee for every $100 you borrow. Keep in mind that fees can vary depending on your state’s regulations.

How can I get a Cash Advance instantly?

Advance America can get you cash fast. Depending on your state, you can go in store for a Cash Advance or apply online. With either option, you can get money as soon as the same day*. Find your nearest location by clicking here or you can apply now.

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Are Cash Advances regulated?

Yes, Advance America follows all applicable laws and regulations at both state and federal levels, including the Consumer Financial Protection Bureau. We’re also members of OLA, so we follow all industry Best Practices where applicable to provide the most beneficial, responsible personal loan services.

Are online Cash Advances safe?

With Advance America, you can be certain that all the information you submit for an online Cash Advance is sent through a secure server and kept in a secure database. One way for you to verify our website’s security is to look for the security icon in the website footer that tells you that your information is secure and encrypted. The green padlock in the URL address bar also signifies that your information on this website is encrypted. For more details, see our Privacy Policy.

Why get a Cash Advance from Advance America?

At Advance America, we understand that when you need money, you need it fast. That’s why we offer a simplified Cash Advance application process, along with a friendly and knowledgeable staff that’s ready to help you every step of the way. So when you choose Advance America, expect great service and money in your hands the same day*.

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

The maximum amount available with a Cash Advance is regulated by state law. Within the allowed range, you qualify for a particular loan amount based on your current income. To view the available loan amounts in your area, click here.

How do I apply for a Cash Advance online?

Applying for an online Cash Advance from Advance America is simple, but know that online Cash Advances are only available in certain states. Click here to find out if in store or online Cash Advances are in your state. Then, click Apply Now to get started on your Cash Advance application to start an online application. There are a few simple steps that take only a couple minutes of your time. You can expect to receive your approval notice same day*.

Can I get a Cash Advance online with bad credit?

Credit is not the only factor we consider when reviewing a Cash Advance application. Advance America accepts applications from consumers with all types of credit.

Is a Cash Advance similar to a Payday Loan?

Yes, a Cash Advance is also known as a Payday Loan. This is a short term, personal loan that is due on your next pay date.

Is a Cash Advance a short-term cash solution?

Yes, Cash Advances are a great short-term cash solution when you need a little extra money to get you to your next paycheck. Advance America understands that unexpected expenses can suddenly arise and financial help is needed.

Will applying for a Cash Advance affect my credit?

When reviewing your Cash Advance application, we may evaluate your credit eligibility by receiving information from third-party data sources.

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

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

Rates & terms

The typical fee is $15 for every $100 borrowed - a fixed price for a short-term transaction. The fees vary by state based on state regulations. Use our calculator to view rates in your state.

Learn more about rates and terms in your state.

What do you need to apply

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

Learn more about what is needed in your state.

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Payment questions

When will my Cash Advance be due?

Cash Advances are short-term loans that are typically due on your next pay date. Timing depends on your pay schedule.

Can I renew or refinance my Cash Advance?

Advance America follows all federal and state laws, so the ability to refinance your Cash Advance depends upon the state regulations. Please contact your nearest store for further information or call us at (844) 562-6480.

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What if I cannot pay or will be late repaying my Cash Advance?

Advance America will work with you to establish payment arrangements for your Cash Advance. We're also committed to collecting past due accounts in a professional, fair and lawful manner. Past due payments may impact your ability to transact with Advance America or other lenders. If you are unable to pay your Cash Advance on time, please contact us at your local store or our toll free number (844)562–6480.

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