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Cash Advance .com Review

CashAdvance.com is one of the more trusted names in payday loans, and works the same as Trusted Loan Network in that it aggregates lenders to help match the best one for you. They offer a wide range of loans and have some of the lowest APRs in the payday loan business. CashAdvance.com also does not require a credit check, but you do need to be 18, have a source of income and have an open back account. Once you are approved, funds will be deposited in your account the following business day.

Maximum Loan Amount

Maximum Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

$999
MIN APR

MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

15%
Collateral or Guarantor

Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

None, unsecured
MIN Loan Amount

MIN Loan Amount

It’s the minimal amount of cash advance you can apply for. It’s not always stated, the average sum is $100. But it may vary depending on the lender and the state’s regulations.

$100
MAX APR

MAX APR

The maximum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

1546%
Terms

Terms

It’s the period of time within which you are to pay off your loan.

Varied
Turnaround Time

Turnaround Time

It's the period of time within which you get the money

1 business day
Find out more Apply online

Cash Advance® works to connect customers with short-term loan options, which help provide extra cash in times of need. Short-term loans are meant to be used only as a last resort option and paid back on or before a borrower’s next paycheck. Loan amounts are typically between $100 and $999.

How much and how do you get the loan?

You can request a short-term loan from $100 to $999. The amount you are approved for will be determined by the lender you are connected with.

Customers simply fill out our secure online form, then hit the SUBMIT button. From there, your protected data will only be shared with lenders and financial service providers in our network. If you are connected, you will be presented with the next steps to complete your loan request. Also, typically within a few minutes, if approved, you will be contacted by the lender via email or phone. If you are presented with a loan offer, you will have the option to review the terms of the loan, which you may approve or decline.

Can you qualify for a short-term loan?

You can submit a request for a short-term loan with Cash Advance® if you meet these basic criteria:

  • You must have had your current job.
  • You must be 18 years of age or older and a citizen or permanent resident of the United States.
  • You must have a take home pay of at least $1,000 a month after taxes.
  • You must have a current phone number and valid email address.

Please note that meeting these criteria does not mean that you will be connected with a lender.

Is Cash Advance right for you?

You need money, and you need it quickly. We've all been there -- we know what it's like to feel like there's nowhere left to turn. Whether it's an emergency situation or an unexpected expense, that's where Cash Advance® comes in. We provide a free service that aims to quickly connect customers with lenders that offer loans that may work for them.

Remember that short-term loans should only be used as last resort options in situations of financial emergency. Make sure to review all terms before agreeing to a loan offer. 

  • Every cash loan request is secured with high-grade 256 bit secured encryption.
  • You may qualify for a loan, regardless of credit type.
  • Submit your request from the comfort of your home, office, or mobile device and you may receive a response from one of our lenders in just a few minutes.
  • We have a variety of resources on our site which can help you determine whether a Cash Advance® is right for you.

How Does Cash Advance® Work?

Our online service is entirely free and works to find potential lenders in our network. Simply fill out our secure online form, then hit the SUBMIT button. If we find a possible lender, you will be presented with the next steps to complete your loan request. If you are presented with a loan offer, you will have the option to review the terms of the loan, which you may approve or decline. We encourage you to always read the terms of your loan thoroughly before accepting them, no matter where you get your loan.

Representative APR Range

Cash Advance® is not a lender and does not provide short-term loans but refers consumers to lenders who may provide such loans. For this reason, we are unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you choose to accept an offered loan. The loan interest rates are determined solely by your lender, with specific amounts determined based upon the information you submitted to the lender. Your lender provides the APR, loan fees, and other terms. For help in understanding and using our services, consumers may refer to the Questions section or Contact Us.

The APR on a short-term loan can vary greatly depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on, if applicable. See a See a Representative Example

Cash Advance® has no control or knowledge of the loan details between you and your lender. If you are presented with a loan offer, you will have the option to review the terms of the loan, which you may approve or decline.

Why choose Cash Advance?

  • Cash Advance® has been a trusted resource for short-term loans since 1997. While there are many companies dedicated to helping consumers get cash quickly, Cash Advance® stands apart by offering a unique level of customer care, security, and a brand that consumers can trust.
  • We’re a Brand You Can Trust. Cash Advance® has always made a commitment to be upfront, honest, and ethical when dealing with customers. Our mission has never been to push a customer into a loan they don’t want, but to help them find a short-term loan option in their time of financial need.
  • Our Service is Free To Use. Using Cash Advance® is completely free and you can use our service as often as needed. If approved, the only cost you are responsible for comes after you review and agree to a lender’s terms. Fees associated with the loan will vary depending on your state, the lender, and the amount of your short-term loan.
  • Large Lender Network. We work with a large network of lenders and financial service providers to try to connect you with a lender that offers a loan that can work for you. When you submit your loan request, it is reviewed by our network.
  • Your Personal Information is Protected. CashAdvance® is certified by two independent services to ensure that your personal information is secure at all times. In order to protect your information from hackers, our site is tested daily by Norton. Your privacy and security is important to us. We use advanced encryption technology to protect your personal information.
  • We are a proud member of the Online Lenders Alliance (OLA), a national organization dedicated to promoting best practices in the online lending industry. Additionally, we abide by the Federal Trade Commission Act, the Financial Services Modernization Act, the Fair Credit Reporting Act, and all other applicable federal laws, including all laws relating to privacy and data protection.
  • We Care About the Customer Experience 
  • Cash Advance® is dedicated to providing customers with the best possible experience. We strive to make the process as safe, easy, and personal as possible, with our in-house customer service team, educational tools and resources to help customers make good financial decisions, and the care that is taken when evaluating each lender before choosing to work with them. Customers can feel confident knowing that not only is our site safe and easy to use, we also have their best interests at heart.
Requirements

In order to submit your loan request through Cash Advance®, you need to:

  • Be at least 18 years of age.
  • Be a U.S. citizen.
  • Have a current job, with an after tax income of $1,000 per month.
  • Allow for your employment to be verified.
  • Have a valid checking account.
  • Have a valid home and work telephone number, as well as a valid email address.

Please note that meeting these requirements does not mean that you will be connected to a lender

Making the Loan Request

Consumers seeking a short-term loan can submit a loan request online. Remember, it is important to fill out the secure form completely, so that we can search our network to help you find potential lenders.

Direct Deposit

If you are approved by your lender for a short-term loan, the loan amount can often be transferred directly into your bank account as soon as the next business day

Rates and Fees Policy

Submitting your inquiry for a loan at CashAdvance.com incurs absolutely no cost. CashAdvance.com is not a lender and does not provide lending services directly to consumers. Based on the information you submit, CashAdvance.com searches its database for potential lenders and/or loan products for your consideration.

The Truth in Lending Act requires full disclosure of all loan fees and interest rates that borrowers may incur. All fees and rate information should be disclosed to you by your lender at the time of approval. Upon the conclusion of lender approval, most lenders will direct you to an e-signature page that they provide.

Full Disclosure of Terms

The lender provides documents that contain all fees and rate information pertaining to the loan being offered to you by the lender. Please review the fee and rate information provided to you by your lender thoroughly and completely before agreeing to the terms of the loan. You are under no obligation to accept these terms. If you decide the loan terms detailed in the lender contract are acceptable and wish to proceed with the loan process, e-sign the page and await transfer of your funds.

The loan fees and interest rates are determined solely by your lender, with specific amounts determined based upon the information you submitted to the lender. CashAdvance.com has no control or knowledge of the loan details between you and your lender. You are under no obligation to continue with the loan request if you find a particular lender’s loan terms unsuitable.

Late Payment Policy

Cash advance lenders have varying policies regarding late payments. Review the late payment policy detailed in the loan documents provided to you by your lender before appending your e-signature, and thereby agreeing to the loan terms. All lenders, however, must abide by applicable laws, rules, and regulations regarding late payment fees. Select your state from the list below to review the laws and regulations governing late payments by a particular state.

Non-Payment Policy

Additional fees or charges may request to you in the event that you are unable to repay your loan. CashAdvance.com uses commercially reasonable efforts to work only with reputable lenders dedicated to pursuing collections of past due accounts in accordance with Fair Debt Collection Practices. Find your state in the list down below to review the legal repercussions applicable to you in the case of non-payment.

Loan Renewal Policy

Where rollovers, or repayment term extensions, are allowed, interest rates, along with any late fees that may be assessed, can add a substantial dollar amount to the end price of your loan. Read the lender's terms in full regarding loan renewal options before signing the loan contract.

State Info

Learn about local laws to make an informed decision.

 

Lending Policy

CashAdvance.com remains dedicated to working with reputable lenders. In addition, CashAdvance.com provides information that will assist consumers in making informed, responsible loan decisions.

Truth in Lending Act

CashAdvance.com’s policies and practices adhere to the regulations set by Fair Lending laws, such as the Truth in Lending Act. Before a consumer assumes any obligation to initiate the loan process, consumers should demand to be presented, in writing, with the exact rates, fees, rollover charges, and other details of their loan, not to exceed applicable laws, rules, and regulations. Consumers can review applicable laws and regulations in their state within our Consumer Resource Center.

Fair Lending

The Dodd-Frank Wall Street Reform Act states that all lenders, including cash advance lenders, must engage in “fair lending,” which is defined as “fair, equitable, and nondiscriminatory access to credit for consumers.” Dodd-Frank also tasks the Consumer Financial Protection Bureau with the enforcement of fair lending regulations. Consumers using CashAdvance.com are urged to file a complaint with the agency should any problems arise with their loans.

Fair Debt Collection Practices

For consumers repaying their loans, CashAdvance.com supports all provisions of the Fair Debt Collection Practices Act enforced by the Federal Trade Commission. CashAdvance.com is not an actual lender and, as a result, does not collect debts from consumers.  Cashadvance.com endeavor to only work with lenders that comply with applicable debt collection laws, rules, and regulations. These include:

  •     NOT contacting consumers by phone anytime before 8 a.m. or after 9 p.m.
  •     NOT contacting consumers by phone with the intent to annoy, harass, or use abusive language.
  •     NOT collecting debt through deception or misrepresentation.
  •     NOT threatening legal recourse when no legal action is permitted.

Should a lender be found to be in violation of these or any other FDCPA statutes, CashAdvance.com does not hesitate to cease conducting business with the company and report the company to the FTC.

Reporting Scams

CashAdvance.com helps consumers report any illicit lenders and scam artists seeking to take advantage of those in need. CashAdvance.com has created the Scam Report, an online forum dedicated to helping consumers communicate scams to each other and report them to the appropriate consumer protection agencies, such as the Consumer Financial Protection Bureau or the Federal Trade Commission.

State Regulations

While all lenders and CashAdvance.com follow federal regulations, individual states also have numerous laws for lending within their borders. These include strict adherence to local laws regarding interest rates, rollover limits and fees, maximum loan terms, cool-off periods between loans, presentment limits, and more.  Consumers should educate themselves about loan product they desire and the laws, rules, and regulations applicable to the product.

A Commitment to Educating Consumers

CashAdvance.com provides users with a wide variety of free educational resources written by our team of financial experts. The Consumer Resource section provides individual explanations and details for the unique laws and regulations in all 50 states. Readers can find out about the current laws in their state as well as the various consumer protection agencies available to them and even alternatives to cash advances in their state.

THE INFORMATION PROVIDED ON THIS SITE SHOULD NOT BE CONSTRUED AS LEGAL ADVICE AND IS NOT A SUBSTITUTE FOR QUALIFIED LEGAL REPRESENTATION

CashAdvance.com CUSTOMER REVIEWS

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