How to Get Cash Loans Fast

After a major life event like a move, or baby, you may be short on cash. With fast cash loans, you can receive the money you need as soon as possible. They can help you cover any expense you may have quickly and easily. Let's dive deeper into quick cash loans and how they work.

How Do Instant Cash Loans Work

Instant cash loans are short-term loans you can use to take care of your expenses if you're in a financial bind. To get an easy cash loan, fill out an application form online or complete an application in-person (Advance America has over 1,500 locations nationwide). Depending on the lender you select, you may be able to earn instant approval. Quick cash loans are ideal if you need the money today rather than in days, weeks, or months from now.

Advance America offers instant approval decisions when you submit an online application, with same-day funding when your decision is made before 10:30 AM EST or funds within 24 hours if you apply later in the day.

How Fast Can You Get a Loan

There are a variety of quick funding loans at your disposal. Here’s a closer look at several fast cash loan options:

Payday Loans

Also known as a cash advance, a payday loan is a small dollar loan you typically pay back on your next payday. This is usually within two to four weeks. If you opt for a payday loan with Advance America, you can get money on the spot if you apply in-store or an online approval can get you money within 24 hours of your application. If your online application is received before 10:30 AM EST, you may be able to receive the funds on the same day.

Installment Loans

An installment loan is repaid over time through a series of fixed payments. It can be a good option if you need more than a few hundred bucks and want to spread your repayment out over time. With an installment loan from Advance America, you can get your funds within 24 hours of your application, as long as you're approved.

Title Loans

In exchange for a title loan, you give a lender the title to your car until you repay it in full. Your loan amount will be based on the value of your car and you'll be able to drive it while you pay your loan back. If you go with a title loan with Advance America, you can get your funds the same day you apply after your car gets appraised at an Advance America location.

Lines of Credit

If you like the flexibility of being able to borrow as much or as little as you'd like, a line of credit may be a smart choice. Similar to a credit card, you can draw money any time you want up to your approved credit limit. If you apply online for the line of credit with Advance America, you can receive your funds within 24 hours. If you apply at an Advance America location, you can leave with money in hand.

What You Need to Request a Fast Cash Loan

Here are some qualifications that you need to request for an instant cash loan.

Must Have a Drivers License or Valid Government ID

Some lenders that offer quick help loans will require that you're a U.S. citizen. You may also provide a valid government ID like a driver's license, passport, or Social Security card.

Must Be at Least 18 Years Old

Fast cash loans are designed to help adults who are tight on cash. Therefore, you must be at least 18 years old to take one out. 

Must Have Steady Income

If you opt for a quick credit loan, a lender will want to know you have the income to pay it back. You may also be asked to you show proof of steady income through documents like pay stubs and W-2 tax forms.

Must Have a Valid SSN

You must have a valid Social Security number to take out an easy cash loan. With your Social Security number, a lender can help confirm you identity and prevent potential fraud.

Helps to Have an Active Checking Account

Quick cash loans usually deposit funds directly into your checking account, although Advance America offers in-store loans, where you can opt for cash. If you are using direct deposit, lenders will require you to share the account number and routing number of your bank account so they know where to distribute the money.

How to Get Your Cash Loan Even Quicker

There are some things you can do to get your cash loan even quicker including.

Choose a Previous Lender

If you want to get easy cash as soon as possible, choose a lender you've previously worked with. They likely have all your information on hand and can expedite your application.

Gather Your Documents

You should have your ID, paystubs, and other documents ready to go before you apply for a loan. This way you won't have to waste time looking for them and can ensure a seamless application process.

Opt for Direct Deposit

With direct deposit, you can get your approved funds deposited directly into your bank account. You won't have to wait for a check in the mail or drive to a store to be paid. Look up your bank account's routing and account numbers so you can sign up for this payment method.

How to Find the Best Cash Loan for You

These tips can help you find the best easy money loan for your unique situation.

Compare Rates

The lower interest rate you lock down, the less you'll pay for your loan. Compare fees and annual percentage rates from lenders who offer fast cash loans to make sure you don't overpay. Advance America rates are competitive compared to similar fast cash lenders.

Find a Loan That Requires a Low Monthly Payment

If you take out a loan with high monthly payments, you may not be able to manage your monthly expenses. Before you decide on an instant money loan, make sure you can comfortably afford to pay if off each month.

Gauge Your Timeline

Consider how quickly you need the funds. If you need to pay your bills in a few days or a week, look for a lender that offers quick emergency loans. You don't want to commit to a loan and later find out you'll have to wait weeks to collect the money.

Will I Get Approved for an Instant Cash Loan?

Believe it or not, it can be relatively easy to get an instant loan. A lender may even approve you without a perfect credit score and history. This is particularly true if you meet the qualifications we discussed above and don't ask for more cash than you need and can afford to repay.

Advance America Provides Fast Cash Loans

Advance America provides payday loans or short-term loans that you can repay on your next payday, typically within 2 to 4 weeks. Payday loans are a great option if you need a little extra financial help because you have to pay a bill or cover an emergency expense. After you apply for a payday loan with Advance America, you can receive your funds in minutes in-store or within 24 hours if you apply online.

How to Apply for a Fast Cash Loan

To apply for an Advance America fast cash loan online, follow these steps:


Collect Documents and Information

Before you apply, be prepared to provide the following information into the application form:

  • Valid Social Security number
  • Valid and active email address
  • Active checking account
  • Source of income

Visit the Advance America Website

Go to the Advance America website to begin the online application. Once you're there, you'll need to:

  1. Click "Apply Now"
  2. Provide your contact information
  3. Share your employment details
  4. Plug in your banking details (Since prepaid cards are not accepted, you'll need your checking number and ABA routing number)
  5. Sign and submit

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.

134+ million
loans issued
1,200+ stores
and online loans
23+ years
providing loans