Instant Cash Advance Online

A cash advance is a short-term loan that can give you cash instantly. If you can’t wait for money and need it as soon as possible, an instant cash advance online can help you out.

After you apply online, you may receive an instant approval and the funds in your bank account in no time. Let’s dive deeper into what you can expect from a fast cash advance loan.

How fast are online instant cash advances?

There are a few different types of instant decision cash loans you can choose from including:

Advance America Cash Advances

Time for Application > Funding: Instant to 24 Hours

Also known as a payday loan, a cash advance from Advance America can give you fast cash. Once you take out a cash advance, you’ll pay it back when you get your next paycheck, usually within two to four weeks. 

You’ll pay a fee or interest on the amount you borrow at rates governed by your state of residence. If you apply for a cash advance with Advance America by 10:30 AM EST, you may get your cash by the end of the day. In the event you apply a bit later, the money will be yours within 24 hours. 

Credit Card Cash Advances

Time for Application Funding: Instant to 24 Hours

There are credit cards that will allow you to withdraw a cash advance, with the maximum amount set by your available credit limit. If you go this route, however, keep in mind that annual percentage rates (APRs) for credit card cash advances are higher than a credit card’s purchase APR. 

Some credit cards even limit cash advances to 20% of your available credit limit. Since credit card cash advances can be very expensive, make sure you understand the terms and fees involved before you commit to this type of financing option. You don’t want to end up in a situation where you can’t make your payments and possibly hurt your credit.

Lending Club Cash Advances

Time for Application > Funding: Instant to 24 Hours

Lending clubs can also offer cash advances. The caveat with this option is that you have to pay monthly membership fees, even if you don’t request a cash advance. These fees can add up quickly.

If you do move forward with a Lending Club cash advance, make sure you’ll be able to keep up with your payments and regular monthly membership fees. Failure to do so can take a toll on your credit. 

Steps to Apply for an Instant Cash Advance

How to get an instant cash advance

It’s easy to get fast cash advance loans. Here’s what the process entails: 

1. Know Your Cash Advance Lenders

There are plenty of cash advance lenders on the market. Do you research and find a reputable lender with positive online reviews. Advance America features a 5-star rating on TrustPilot and an A+ rating from the Better Business Bureau to ensure a transparent and reliable cash advance process.

2. Figure Out Your Maximum Cash Advance Amount

Before you take out a cash advance loan quick, find out how much money a lender can offer you. This way you’ll know whether or not it’s enough cash to cover your expense. Depending on the state you live in, Advance America’s cash advances can typically range up to $1000.

3. Calculate Your Fees, Interest, and Penalties

You’ll want to know how much your easy cash advance will cost you upfront. To avoid unwanted financial surprises, calculate your fees, interest, and penalties. 

4. Complete Your Application

Fortunately, most lenders will allow you to complete your application online, within a few minutes. You’ll have 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 Funds

Upon approval, you’ll receive your funds. The fastest way to do so is direct deposit so make sure you have your account number and routing number handy when you apply. But if you are able to visit one of Advance America’s 1,500+ locations, you can stop by the store to receive cash or check.

6. Build Your Repayment Plan

Lastly, you’ll need to repay your loan on time. Follow your repayment plan to a tee to avoid late fees and a tarnished credit score. 

Benefits of Advance America instant cash advances

There are several benefits of getting an instant cash advance online from Advance America, including:

Easy application

You won’t have to leave your home to apply for an instant cash advance. You can fill out our short application form online, and it should only take you a few minutes to complete.

Instant decision

One of the greatest perks of an instant cash advance is that you can get approved instantly or very quickly. This is a huge plus if you have an emergency expense like a car repair or medical bill that you need to cover immediately.

Quick funds

You won’t have to wait long to receive your instant cash advance. If you apply by 10:30 AM EST, you may get your cash by the end of the day. In the event you apply a bit later, you can get the money within 24 hours.

Good credit not needed

You can get approved for an instant cash advance online even if you don't have great credit. We’ll consider other factors like your income and employment situation when we review your application.

Fast 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 they’re a good fit, consider these cash advance alternatives. 

Installment Loans

An installment loan may make sense if you wish to borrow more than your paycheck can cover. You’ll repay it in installments over a longer time period, ranging from 3 to 36 months, which can allow for lower monthly payments when compared to cash advances. You can apply for Advance America installment loans 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. The value of your car will determine how much you can get. Check out our online title loan calculator to get a loan estimate today. 

Lines of Credit

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

Is an instant cash advance from Advance America right for you?

A fast cash advance loan online is a smart idea if you need to quickly borrow a couple hundred dollars or less, and you can repay the cash advance by the time you receive your next paycheck. It can help you get through a financial emergency without the hassle. Just make sure you can repay it the next time you get paid. Apply for a cash advance with Advance America today.


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.
148+ million
loans issued
900+ stores
and online loans
25+ years
providing loans