Cash Advance Loans - Money When You Need It

Life doesn’t follow paycheck schedules. Cars break down, kids get sick, pipes leak... No matter what your income level is or how well you manage your money, anyone can come up short – and we can help you get through the lean times. We’re not a lender. Rather, we connect you with a vast network of reputable lenders who compete to offer you the best possible loan option. Forget standing in line at the corner money store. CashAdvance.com will help you get the money you need without leaving the privacy of your own home or on the go.

• Every cash loan request is secured with high-grade Verisign 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 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 a Cash Advance Work?

Our online service connects you with our vast network of lenders. Once you complete and submit a brief online loan request, multiple lenders will compete to offer you a cash advance (also known as a payday loan) at the best possible rates. If you don’t like any of the lenders’ terms, you can simply cancel the request and walk away - there’s no fee or obligation. Our online form takes about 3 to 5 minutes to complete.

Representative APR Range

CashAdvance.com 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 are approved for a loan. APRs vary according to the information supplied by you in your loan request and your lender. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process. For help in understanding and using our services, consumers may refer to the Questions section or Contact Us.

The APR on a cash advance can range from 200% to 2,290% 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 Representative Example

Borrow $200 for 14 days with a $30 to $60 lender fee. Your estimated APR is 391% to 782%*

Payday loans are relatively expensive when compared with other loan products. Payday loans are not recommended as a long term financial solution and they should only be taken for emergency financial needs.

*Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100
Low End of Range: ($30 / $200) * (365 days / 14 days) x 100 = 391.07%
High End of Range: ($60 / $200) * (365 days / 14 days) x 100 = 782.14%

Implications of Non-Payment and other Considerations

Every lender in our network provides the consumer with specific terms, conditions, and practices prior to the consumer's acceptance of the loan. We recommend that you carefully review the terms and conditions of any loan offer presented to you. For further details about the above considerations see our Rates & Fees and Lending Policy web pages.

IMPLICATIONS OF NON-PAYMENT, LATE PAYMENT, OR PARTIAL PAYMENT

When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may apply in the event that you are unable to repay your loan in full or if you make a late payment. We cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. Additionally, we have no knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. Our company makes every effort to work only with reputable lenders dedicated to pursuing collections of past due accounts in a fair and reasonable manner. If you have a complaint about a specific lender please Contact Us and one of our agents will look into the matter further.

FEES AND INTEREST

If approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your acceptance of the loan. CashAdvance.com is not a lender and cannot predict the exact fees and interest of the loan option presented to you. You are under no obligation to accept the terms presented to you by the lender.

CREDIT SCORE IMPACT

CashAdvance.com does not make credit decisions nor does CashAdvance.com conduct a credit inquiry on consumers. Some lenders on the CashAdvance.com network may conduct a non-traditional credit check in order to determine your eligibility for a loan. Lenders typically do not conduct a credit inquiry with the three major credit bureaus: Transunion, Experian, or Equifax. Ultimately, your credit score may or may not be affected by the actions of a particular lender. If you do not repay your loan on time your lender may report this delinquency to one or more credit bureaus, which could have a negative impact on your credit score. We encourage consumers with credit problems to consult a Credit Counseling company.

RENEWAL POLICY INFORMATION

Loan renewal policies are largely governed by state regulatory legislation. The loan renewal options will be presented to you by your lender prior to your acceptance of the loan. Please make sure to diligently read the renewal policy presented to you prior to signing the loan documents. Cash Advance loans are intended to be a short term financial instrument. CashAdvance.com encourages all consumers to repay the loan on time and in full in order to avoid late payment and/or non-payment fees. If you suspect that you may be unable to pay off a Cash Advance loan we would recommend that you explore Loan Alternatives before applying for a Cash Advance loan.

COLLECTION PRACTICES

CashAdvance.com is not a lender and CashAdvance.com does not engage in debt collection practices. Your lenders' collection practices will be disclosed to you in the loan documents. If you are unsure of the collection practices used by a specific lender we recommend that you discuss this issue with your lender directly. CashAdvance.com makes reasonable efforts to only work with established, reputable lenders who pursue collections of past due accounts with fair conduct.