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. To help keep our service free, we may also connect you with offers for other credit-related services like debt relief, credit repair and credit-monitoring.

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.
• Your information is shown to multiple lenders who can choose whether to offer you a loan.
• 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 and in our extended network of non-lender third-party lender networks. 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. In addition to traditional loans, some lending partners in our network may offer lines of credit. We encourage you to always read the terms of your loan thoroughly before accepting them, no matter where you get your loan. If we can’t find a loan offer for you, we may pass some limited information about you to our marketing partners so you can receive offers for credit repair, debt relief or similar services.

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.

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

All lenders are required by law to provide the consumer with specific loan 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 and compare it to all of your other options. For further details about the above considerations see our Rates & Fees and Responsible Lending 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 request 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. All lenders and debt collectors are required by federal law to engage in fair debt collection practices. 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

Before you accept a loan offer, your lender is required by federal law to present you with the exact fees and interest rate of your loan. Cash Advance® 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.

CREDIT SCORE IMPACT

Cash Advance® does not make credit decisions nor does Cash Advance® conduct a credit inquiry on consumers. Some lenders on the Cash Advance® network may conduct a 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. 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. Before you accept a loan offer, the lender is required to make certain disclosures to you regarding loan renewal. Please make sure to diligently read the renewal policy presented to you prior to signing the loan documents. Payday loans are intended to be a short term financial instrument. Cash Advance® 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 loan, we would recommend that you explore Loan Alternatives before submitting a loan request.

COLLECTION PRACTICES

Cash Advance® is not a lender and does not collect any debts. Before you accept a loan offer, your lender is required to make certain disclosures to you about their debt collection practices. If you are unsure of the collection practices used by a specific lender, we recommend that you discuss this issue with your lender directly. All lenders and debt collectors are required by federal law, including the Fair Debt Collection Practices Act, to engage in fair debt collection practices.