Q: What exactly is a cash advance?

A cash advance is a small unsecured loan you agree to pay back using your next paycheck. Basically, you are making out a check for the advanced loan amount, plus a fee, to be held until your next payday.

Q: My job pays well, why would I ever need a cash advance?
Good job or not, life can throw anyone curves. For example, your car breaks down, and suddenly you need extra cash for repairs. It might not even be you that needs cash – a family member might get sick and require help. A cash advance is a great way to extend your present income, and be ready for any situation.

Q: How do I apply for a cash advance, and how does it work?
It’s simple: you fill out a brief form online, then wait for approval (often you’ll receive an approval email within hours). Once approved, you can usually expect to receive your money the very next day.

Q: My credit isn’t so great. How can I expect to get approved?
Bad credit? No problem! Since the cash advance lender doesn’t obtain a credit bureau report to approve you, your credit standing doesn’t even matter! Basically, you can look at a cash advance as a loan for people with bad credit.

Q: If credit doesn’t matter, what does count when it comes to qualifying for a cash advance?
Getting a cash advance is a lot less complicated than getting a standard loan. In most cases you only have to meet these 4 basic requirements:
Q: I recently declared bankruptcy. Does that disqualify me from getting a cash advance?
Not necessarily – many cash advance lenders welcome even bankruptcy cases.

Q: Do I have to pay anything to apply for a cash advance?
Generally there is no fee to apply for a cash advance.

Q: What do I have to provide then?
Mostly you just need basic proof of identity to apply for your cash advance. Generally these include:

Q: How much can I expect to receive?
A typical first-time cash advance runs about $200 or $300. Repeat applicants in good standing, however, can receive up to $1500!

Q: There are so many cash advance sites out there these days.
What should I look for in choosing one?
We recommend sites which feature SSL encryption for maximum speed and protection of your financial information. (For further help see our above list of recommended cash advance providers.) In short, make sure you find a company that offers the most simple and secure application process. Here is a list of recommended sites

Q: How soon do I have to repay my cash advance?
Generally you need to repay by the time you receive your next paycheck. That’s actually a good thing, since establishing a reliable payback record qualifies you to receive larger cash advances in the future.

Q: My credit is excellent. Will my rating suffer from applying for a cash advance?
Not at all – applying for a cash advance in no way affects your credit. In fact, getting a cash advance could be the best thing you can do for your score, since it could save you from missing a credit card or car payment. Plus, a cash advance could be the difference between covering a check, or bouncing it! That’s something to keep in mind when deciding whether or not to apply.

Q: What if I don’t need cash for an emergency?
Many people take out cash advances to help pay for vacations, tuition or a variety of other short-term expenses. What you spend your cash advance on is entirely up to you.

Q: OK, I’m ready to get a cash advance! Where do I go to apply?
Great! To begin you can choose from one of our recommended providers or click here to go to our online loan application and sign up today!