Instant Payday Loans

Get The Money You Need with an Instant Payday Loan, Instantly

Instant Payday Loans, also known as instant Cash Advances, are loans offered on a short-term basis perfect for covering the cost of unforeseen expenses like medical emergencies or unexpected bills. Availability of instant payday loan varies by state. See below for more information on instant Payday Loans.

What are instant Payday Loans?

If you need cash fast, Advance America can help with an instant Payday Loan. Instant Payday Loans are short-term loans intended to help you bridge the gap between paydays, allowing you to receive cash as soon as same day*, following our quick and easy application process. Simply pay back the instant Payday Loan on your next payday and you’re good to go.

What you’ll need to get an instant or fast payday loan

Loan Each instant Payday Loan has its own unique requirements but typically, you’ll need the following to apply for one:

  • Government issued ID like a driver’s license or passport
  • Social Security number
  • Proof of income
  • Active checking account
  • Valid and active email address if you apply online

How to apply for an instant payday loan

Here’s how you can apply for an instant payday loan to get the funds you need fast:

1. Gather all necessary documents

Gather all documents and information you may need to apply for an instant payday loan. This may include a government issued ID, bank account number, and recent paystubs.

2. Fill out an instant payday loan application

Fill out your application for an instant payday loan, providing all personal and financial details needed. Double check all the information you filled out to make sure everything is correct.

3. Submit your instant payday loan application

Submit your application for an instant payday loan and wait for approval. Many lenders offer an instant or quick approval decision, so you may find out quickly whether you qualify for an instant payday loan.

4. Receive your funds

If approved for an instant payday loan, the lender will give you your funds the same day you apply or within 24 hours. Then, you can start covering expenses right away.

Benefits of an Advance America Instant Payday Loan

Why get an Advance America instant Payday Loan?

There are several reasons you may want to consider an instant Payday Loan from Advance America, including:

Easy application

You can apply for an instant Payday Loan from the comfort of your own home. All you have to do is fill out our short application form online. You’ll be able to complete an instant payday loan application in minutes, especially if you’ve gathered all the right documents beforehand. You can also apply at one of our convenient locations .

No collateral required

With an instant Payday Loan, you don’t have to put your car, house, or other valuable asset on the line. You can take this loan out without any collateral.

Get funds as quickly as that same day

If you apply online and get approved for an instant Payday Loan anytime between Monday through Friday before 10:30 am EST, you’ll receive your money that same day by 5:00 pm. Don’t worry if you get approved after 10:30 am because the instant payday loan funds will be in your account shortly after, on the morning of the next business day.

You don’t need good credit

You can get approved for an instant Payday Loan even if you don’t have great credit. We look beyond your credit score and consider other factors like your employment status and income.

Can I get an instant payday loan online?

You can easily get an instant payday loan online. Many instant payday lenders operate online, so you can apply, get approved, and receive the funds you need from the comfort of home.

Are instant payday loans safe?

Instant payday loans are safe as long as you’re working with a legitimate and reputable lender. When looking for lenders online, make sure to check the Better Business Bureau and online reviews. A lender with a good BBB rating and lots of positive reviews is likely safe to work with.

Instant Payday Loan options

You can get an instant Payday Loan by either applying in-store or online, where offered. If applying in-store, you’ll receive money on the spot. If applying online, expect to have your money deposited into your bank account as soon as the same day*.

  • Apply In-Store
    Visit your nearest Advance America center. One of our knowledgeable staff members will quickly guide you to select an instant payday loan that fits your needs. Filling out your loan application and the approval decision only takes a few minutes. You’ll then receive money on the spot.
  • Apply Online
    The online application for an instant payday loan requires a few simple steps to complete. Select a loan option, provide personal contact information and details, as well as employment and banking details, then just sign and submit.

*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 AM ET are typically funded in the morning the next banking day.

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