#  Cash Advance 

- Receive money same day.\*
- Simple repayment terms.
- Good credit not needed.

 

 [Apply now](https://www.advanceamerica.net/online) 

 [Learn about available loans in your state.](https://www.advanceamerica.net/store-locations/ohio) 

 

 



"I login in and it was easy to uderstand"

— Pilar, 09/26/2024

 

 

  ![trustpilot 5 star rating](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars-trustpilot.svg) ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg) 4.9 out of 5 based on 128,029 reviews  [128,029 reviews](https://www.advanceamerica.net/customer-reviews) on ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg)  

 



##  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. This type of 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. Apply today and 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 icon](https://cdn.advanceamerica.net/public/media/images/2024-02/rent-or-mortgage_1.svg)Rent or mortgage
- ![decorative icon](https://cdn.advanceamerica.net/public/media/images/2024-02/groceries.svg)Groceries
- ![decorative icon](https://cdn.advanceamerica.net/public/media/images/2024-02/utilities.svg)Utility bills
- ![decorative icon](https://cdn.advanceamerica.net/public/media/images/2024-02/repairs.svg)Unexpected repairs
- ![decorative icon](https://cdn.advanceamerica.net/public/media/images/2024-02/back-to-school.svg)Back-to-school costs
 
 

 [Apply now](https://www.advanceamerica.net/online) 

 



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

 

 

1

[Start your application online](https://www.advanceamerica.net/online) or apply in the store.

 

2

Get approved 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 pm ET are typically funded in the morning the next business day.



[Apply Now](https://www.advanceamerica.net/online)

[Find a Store](https://www.advanceamerica.net/store-locations)

 

 

##  Cash Advances with bad credit 

You could get approved for a [Cash Advance even if you have bad credit](https://www.advanceamerica.net/loans/cash-advances/bad-credit-cash-advance). Credit is not the only factor Advance America considers when reviewing a Cash Advance application.

 

 



 ##  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](https://cdn.advanceamerica.net/public/styles/convert_to_webp/public/media/images/2024-02/person-discovering-benefits-of-payday-loans_13.jpg.webp?VersionId=1Ows698oh8ZHkLnOmvnwcUqxLeMiirXn&itok=8QrccAfk) 

   ![Thumbs Up](https://cdn.advanceamerica.net/public/media/images/2024-02/thumbs-up_0.svg)### Easy application

 Cash Advances 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.

  ![Clock](https://cdn.advanceamerica.net/public/media/images/2024-02/clock_0.svg)### 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 next business day.

  ![Credit Card](https://cdn.advanceamerica.net/public/media/images/2024-02/credit-card.svg)### 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

Since 1997, Advance America has helped millions of hardworking people with a variety of financial solutions including [Payday Loans](https://www.advanceamerica.net/loans/personal-loans), [Online Loans](https://www.advanceamerica.net/loans/online-loans), [Installment Loans](https://www.advanceamerica.net/loans/installment-loans), [Title Loans](https://www.advanceamerica.net/loans/title-loans) and [Personal Lines of Credit](https://www.advanceamerica.net/loans/line-of-credit).



157+ million

loans issued

 

700+ stores

and online loans

 

28+ years

providing loans

 

 

 [Apply Now](https://www.advanceamerica.net/online) 

 [Find a Store](https://www.advanceamerica.net/store-locations) 

 



##  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](https://www.advanceamerica.net/store-locations/ohio#rates-section-payday-loan)

 

 



##  Cash Advance FAQs 

  ###  What is a Cash Advance fee? 

 ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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? 

 ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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](https://www.advanceamerica.net/online) or visit your [nearest Advance America location](https://www.advanceamerica.net/store-locations) to get started.

 

 

  ###  Are Cash Advances regulated? 

 ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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? 

 ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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](https://www.advanceamerica.net/privacy-and-terms) and [Security Information](https://www.advanceamerica.net/privacy-and-terms/security-information).

 

 

  ###  Is a Cash Advance from Advance America legit? 

 ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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? 

 ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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.](https://www.advanceamerica.net/store-locations/state#rates-section-payday-loan)

 

 

  ###  Is a Cash Advance the same as a Payday Loan? 

 ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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? 

 ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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? 

 ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) No, applying for a Cash Advance with Advance America does not impact your FICO or Vantage scores.

 

 

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

 ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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? 

 ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) Yes, you can pay off your Cash Advance before the due date without facing any prepayment penalties. [Log in](https://www.advanceamerica.net/online/signin/login) to your online account or contact [Customer Care](https://www.advanceamerica.net/customer-service) to make a payment or pay off your loan.

 

 

  ###  Can I renew or refinance my Cash Advance? 

 ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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? 

 ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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? 

 ![](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/v3-icons/v3-down-caret.svg) 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.

 

 

 

 



## Proudly serving our customers

## Advance America customer reviews

"I login in and it was easy to uderstand"

— Cash Advance customer, 09/26/2024

 ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg) ![5 star rating](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars-trustpilot.svg) 

 

"I appreciate y’all help "

— Cash Advance customer, 09/26/2024

 ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg) ![5 star rating](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars-trustpilot.svg) 

 

"The girls are very nice"

— Cash Advance customer, 09/25/2024

 ![trustpilot logo](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/logos/logo-trustpilot-review.svg) ![5 star rating](https://www.advanceamerica.net/themes/custom/pf_aa_theme/assets/images/icons/icon-5stars-trustpilot.svg) 

 

 

 

[Read more Reviews](https://www.advanceamerica.net/customer-reviews)

 

## More about Cash Advances

 [ ![Woman in a yellow sweater smiling while using her smartphone at a café table, with financial documents and a coffee cup in front of her.](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2026-06/advance-america-cash-advance-vemo-paypal.jpg.webp?itok=ka8zFZgL) 

Can You Get a Cash Advance From PayPal and Venmo? 

Neither PayPal nor Venmo offers a traditional cash advance, but using a credit card to send money through either app could trigger one from your card issuer.

 

 ](https://www.advanceamerica.net/money-saving-tips/cash-advances-101/can-you-get-a-cash-advance-from-paypal-and-venmo)

Did you know?

A Cash Advance is a convenient way to access same-day money when you need it most.

[Learn more](https://www.advanceamerica.net/loans/cash-advances)

 

 



 [ ![Facts vs. Myths](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2026-05/advance-america-debunking-10-myths-cash-advance.jpg.webp?itok=FgOIWTAz) 

Debunking 10 Common Myths About Cash Advances

A cash advance is a convenient way to access money before your next payday.

 

 ](https://www.advanceamerica.net/loans/cash-advances/debunking-cash-advance-myths)

 [ ![Advance America vs. Amscot vs. Check 'n Go](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2026-05/advance-america-vs-amscot-vs-checkngo-header.jpg.webp?itok=89QXCah4) 

Advance America vs. Amscot vs. Check 'n Go 

Life doesn't always wait for payday. When an unexpected expense comes up, knowing your options can make all the difference.  

 

 ](https://www.advanceamerica.net/loans/cash-advances/advance-america-vs-amscot-vs-check-n-go)

 [ ![Advance America vs. Advance Financial 24/7](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2026-05/advance-america-vs-advancefinancial-header.jpg.webp?itok=xPzh5I-h) 

Advance America vs. Advance Financial: Which Lender is Right for You? 

When you’re hit with an unexpected expense — whether it’s a car repair, medical bill, or gap between paychecks — finding a reliable lender matters.

 

 ](https://www.advanceamerica.net/loans/cash-advances/advance-america-vs-advance-financial)

 [ ![Advance America vs. ACE Cash Express ](https://cdn.advanceamerica.net/public/styles/article_small/public/media/images/2026-05/advance-america-vs-ace-header.jpg.webp?itok=8i02iLGe) 

Advance America vs. ACE Cash Express: Which Lender is Right for You? 

Managing your budget effectively means having a plan for those moments when life’s timing doesn't quite match your paycheck.

 

 ](https://www.advanceamerica.net/loans/cash-advances/advance-america-vs-ace-cash-express)

 

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