Instant Cash Advance Online

Unexpected expenses draining your bank account? We’ve all been there. Whether you’re facing an emergency car repair, a medical bill, or other costly necessity, a cash advance can tide you over until payday.

Also known as a same-day payday loan, an instant cash advance is a short-term loan that gets you the cash you need fast. So, if you can’t wait for payday and need money now, getting an instant cash advance online may be the answer.

When you apply for an online instant cash advance, you’ll receive an instant approval decision and, if approved, have your funds deposited in your bank account in 24 hours or less. Let’s explore instant online cash advances and what you can expect from the online loan application process.

Where can I get an instant cash advance online?

Many online lenders offer fast cash advances with instant approval decisions. When shopping around, choose a reputable lender that discloses all fees and interest rates upfront.

Here are just a few sources to consider when you need an instant cash advance online:

Advance America instant cash advances

Instant Application Approval → Funding within 24 Hours

A cash advance from Advance America, a.k.a. a payday loan, ensures you get cash fast. Why is it called a payday loan? It’s simple! After taking out an instant cash advance, you pay it back in full on your next payday. For most borrowers, that’s within two to four weeks.

At Advance America, you pay a fee or interest on the amount you borrow at rates set by your state. Borrowers who apply for a cash advance by 10:30 AM EST typically get cash by the end of the day. But don’t worry. Even if you’re approved after 10:30 AM EST, you’ll receive your money within 24 hours.

Credit card cash advances

Instant Application Approval → Funding within 24 Hours

Most credit card companies allow you to get a cash advance with your credit card. The maximum amount you can withdraw is set by your available credit limit. For example, some credit cards limit cash advances to 20% of your available credit.

One thing to keep in mind, however, is that you’ll pay a higher annual percentage rate (APR) for credit card cash advances than for regular purchases. This can make credit card cash advances expensive, so make sure you understand the terms and fees involved. You don’t want to end up in a situation where you can’t make your payments and hurt your credit.

Merchant cash advances

Instant Application Approval → Funding within 24 Hours

Also known as a business cash advance, a merchant cash advance is an alternative type of financing for business owners. As such, this type of instant cash advance isn’t for everyone. If you do own a small business, however, you may qualify for a lump sum of cash that you’ll repay in your future debit and credit card sales, plus additional fees.

Unlike traditional instant cash advances, merchant cash advances have longer repayment terms ranging from three to 18 months. The higher your debit and credit card sales, the quicker you’ll repay the cash advance.

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How do I get an instant cash advance online?

It’s easy to get fast cash advance loans without ever leaving home. Here’s what you need to do:

1. Compare instant cash advance lenders

There are plenty of cash advance lenders on the market, but you want to work with a reputable lender with positive online reviews. Advance America has a 5-star rating on Trustpilot and an A+ rating from the Better Business Bureau, ensuring a transparent and reliable cash advance process.

2. Determine your maximum instant cash advance amount

Before you take out an instant cash advance loan online, find out how much money a lender can offer you. This way you’ll know whether it’s enough cash to cover your expenses. Depending on the state you live in, Advance America’s cash advances typically max out around $1,000.

3. Calculate your instant cash advance fees, interest, and penalties

You’ll want to know how much your instant cash advance will cost upfront. To avoid unwanted financial surprises, calculate your fees, interest, and penalties. Ideally, the lender will disclose this information in detail.

4. Complete your instant cash advance application

Fortunately, most lenders offer an online application process, allowing you to apply for a cash advance in minutes. You’ll need to provide personal details like your name, email address, and Social Security number. The application process for Advance America’s online cash advances can take less than 5 minutes.

5. Receive your instant cash advance

You should receive your instant cash advance shortly after your application is approved. The best way to get your cash advance fast is via direct deposit, so make sure you have your checking account number and routing number handy when you apply. If you prefer to receive cash or a check, visit your nearest Advance America location.

6. Review your instant cash advance repayment plan

Lastly, you’ll need to pay back your instant cash advance on time to avoid costly late fees and penalties. Most lenders will automatically withdraw your payment from your bank account on your next payday, making repayment simple.

Benefits of Advance America instant cash advances

There are several advantages to getting an instant cash advance online from Advance America, including:

An easy instant cash advance application

You don’t even have to leave home to apply for an instant cash advance. Simply fill out our short application form online. The process takes just a few minutes!

An instant cash advance approval decision

One of the biggest perks of an instant cash advance is that you’ll know if you’re approved right away. This is a huge plus if you have an emergency expense like a car repair or vet bill that you need to cover immediately.

Quick cash advance funding

You won’t have to wait long to receive your instant cash advance. If you apply by 10:30 AM EST, you may even get your cash by the end of the day. In any case, you should have your money within 24 hours.

Good credit not needed for an instant cash advance

Bad credit limits your loan options, but did you know you can get approved for an instant cash advance online even if you don't have good credit? We consider other factors like your income and employment situation when we review your application. Plus, applying won’t affect your FICO credit score!

Instant cash advance alternatives

While instant-decision cash loans are a good option for some people, they aren’t for everyone. If you don’t believe an instant cash advance is a good fit, consider these payday loan alternatives:

Installment Loans

An installment loan may make sense if you need to borrow more than your paycheck can cover. You’ll repay the loan in installments over a longer period, usually from three to 36 months, which can allow for lower monthly payments when compared to instant cash advances. You can apply for an Advance America installment loan online in minutes and receive a decision within 24 hours.

Title Loans

If you own the title to your car, you can get quick cash with a title loan. You’ll exchange your vehicle’s title for a certain amount of cash. Your car's appraised value determines how much money you can borrow.

Lines of Credit

A line of credit is a flexible financing option because you can borrow as much or as little money as you’d like up to your approved credit limit. Best of all, you only pay interest on the amount you borrow, rather than your entire credit limit. Apply for an Advance America line of credit online to find out your maximum credit line.

Is an Advance America instant cash advance right for you?

Getting an instant cash advance loan online is a great idea if you need to borrow money fast and you can repay the loan in full on your next payday. An instant cash advance can help you get through a financial emergency without the hassle of waiting for an approval decision or getting turned down due to bad credit.

Are you ready to get the cash you need now? Apply for an Advance America online cash advance today.