How To Get a No-Credit Check Cash Advance

When unexpected bills or higher-than-normal expenses arise, the clock is ticking, and you need money quickly. That’s where a cash advance can help.

Even if you’ve had credit problems before, you may still qualify for a cash advance loan with no credit check.

Let’s take a closer look at how cash advances work, if you can get cash advances with no credit check, and how to apply for one online.

How a no-credit check cash advance works

Cash advances are short-term, small-dollar loans that you’ll repay when you receive your next paycheck, typically within two to four weeks.

Depending on the lender, you may be approved within minutes and receive the money the same day you apply. A cash advance can be a good option for receiving money to cover emergency expenses in between paydays.

Do I need good credit to get a cash advance?

Here’s great news – you don’t need good credit to be approved for a no-credit-check cash advance! There are many lenders that offer cash advance loans to borrowers with poor or fair credit. Besides your credit score, they’ll consider other factors like your employment status and the amount of your income. So, even if your credit isn’t in the best shape, there’s a good chance you may be approved for a cash advance loan.

Benefits of a no-credit check cash advance

Applying is quick and easy

You can quickly complete an application for a cash advance loan in minutes, either online or in-person at a lender location. All that’s required is some personal information and financial details about your income and bank account.

Loan approvals are fast

Once you’ve completed and submitted your loan application, you’ll know quickly if your cash advance loan has been approved. Some lenders will give you an instant decision, while others may take a few minutes or up to 24 hours.

Your application is safe and secure

Applying with a trusted and reputable lender means you can be confident about the safety and security of the information you provide on your loan application. Be sure to research with sources like Trustpilot before applying with a cash advance lender.

You don’t need good credit

Because cash advance lenders consider your employment and income information, a no-credit-check cash advance can be a good financial option if you have past credit problems or are building your credit.

Plus, unlike other kinds of loans, applying for a cash advance won’t affect your credit score. There’s no risk in applying, even if you aren’t sure you qualify.

Requirements to apply for a no-credit-check cash advance

To apply for a cash advance without a credit check, be sure to have the following information and documents on hand:

  • A government-issued ID like a driver’s license or passport.
  • Proof of income in the form of pay stubs, tax forms, and bank statements.
  • The routing number and account number for a valid and active checking account.
  • Your Social Security Number or ITIN.
  • A voided personal check (if you live in a state that requires one).

How to apply for a cash advance with no credit check

1. Compare cash advance lenders and loan options

There are many cash advance lenders on the market. Do some research to find a few options. Compare their interest rates, terms, and fees to pick the cash advance loan that works for you.

2. Gather all necessary documents

After you choose the best cash advance for your budget and needs, make sure you have the documents and information you’ll need to apply.

3. Fill out and submit your cash advance application

Complete your cash advance application online or in person. Be prepared to share information like your name, email, and birth date, as well as details about your income and employment history.

4. Wait for your cash advance approval decision

Many lenders who offer cash advances without credit checks provide quick approval decisions. When you submit your application, you may be approved instantly, within a few minutes, or within 24 hours. 5

5. Receive your funds quickly

Usually, the lender will disburse your cash advance by direct deposit, prepaid card, or check. Depending on the lender you chose, you might receive the funds on the same day you apply, within 24 hours, or in a few business days.

Is a cash advance without a credit check right for me?

Before you decide to apply for a cash advance, consider your financial situation. If you need a few hundred dollars quickly and know you can repay the full loan amount by your next payday, a cash advance might be a good option. But if you’re in search of a loan with a higher dollar amount that you can repay over a longer period, you may want to consider alternatives like installment loans.

Where can I get a no-credit check cash advance?

Advance America is a trusted and reputable lender that offers quick and easy cash advances. You can apply online or in person at a branch near you, and you don’t need good credit to apply. Depending on when you apply, you may be able to receive your funds the same day, if you’re approved.

About the Author

Bree Ewers has contributed to Advance America since 2023. Writing from her home office in Portland, Oregon, she shares a relatable perspective on the financial triumphs and challenges many readers face.

The Advance America advantage

Since 1997, Advance America has helped millions of hardworking people with a variety of financial solutions including Payday Loans, Online Loans, Installment Loans, Title Loans and Personal Lines of Credit.
157+ million
loans issued
800+ stores
and online loans
25+ years
providing loans