Cash Advances

The money you need today,* repaid on your next payday.

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Applying doesn’t impact your FICO credit score.

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What is a cash advance?

This short-term loan covers what you need now. Know your rate and due date before you commit — and repay it in full on your next payday.

Why get a cash advance from Advance America?

  • Percentage sign

    We look beyond credit

    Your income and employment history are all part of the bigger picture. 
  • Briefcase icon

    We work with how you work

    Employed, self-employed, or gig worker — we have options that fit.
  • Bank icon

    Apply in minutes

    Start online or at your nearest store and get an instant decision.

Cash advance rates & terms

Short-term loan fees are regulated by state law, but you can expect to pay about $10-$15 per $100 borrowed.

Compared to bank overdraft fees, late payment penalties, and utility reconnection fees, our loans are typically the least costly option.

Cash advance vs. personal loan vs. line of credit

Available at Advance America

Cash Advance

  • How you borrow

    One-time funding at approval

  • How you repay

    Repaid in full on payday

  • Typical loan amount*

    $200-$500

  • Best for

    Short-term expenses

Available at Advance America

Installment Loan

  • How you borrow

    One-time funding at approval

  • How you repay

    Fixed payments on a set schedule

  • Typical loan amount*

    Up to $5,000

  • Best for

    Larger expenses

Available at Advance America

Line of Credit

  • How you borrow

    Request available funds as needed

  • How you repay

    Minimum payments on your balance

  • Typical loan amount*

    $3,000-$5,000

  • Best for

    Ongoing access to funds

Learn more about our installment loan and line of credit.
 

*Loan amounts and availability vary by state and are subject to approval.

Ready to apply?

The number 1

Apply online or visit a store

The number 2

See your approved amount, cost, and terms before signing

The number 3

Get funded as soon as today*

Apply now

Applying doesn’t impact your FICO credit score.
 

*Online approvals before 10:30 a.m. ET (M-F) are typically funded to your bank account by 5:00 p.m. ET the same day. Approvals after 10:30 a.m. ET are typically funded in the morning on the next business day. 

Cash advance FAQs

Where can I get a cash advance?

Cash advances are available in select states. If eligible, you can get a cash advance from Advance America online or in person.

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

Are online cash advances safe?

With Advance America, you can be confident that all the information you submit on your application is secure and protected. Look for the padlock icon in the URL address bar, which tells you the site is encrypted.

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

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 with bad credit?

You could get approved for a cash advance even if you have less-than-perfect credit. Credit is not the only factor Advance America considers when reviewing a cash advance application.

Will applying for a cash advance affect my credit?

No, applying for a cash advance with Advance America does not impact your FICO or Vantage scores.

Can I pay off my cash advance early?

Yes, you can pay off your cash advance before the due date without any penalties or extra charges. Log in to your online account, visit a store, or contact Customer Care to make a payment or pay off your loan.

Trusted by millions of customers

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Rated 4.9/5 based on 131,408 reviews

"I login in and it was easy to uderstand"

— Pilar, 09/26/2024
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— Lammar, 09/26/2024
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— Kari, 09/25/2024
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Did you know?

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