FAQ

1. What is a cash advance or payday loan? ^ Top

It’s a short term loan that helps give you some extra cash when you need it before payday! The amount is usually between $100 and $1,500, however some lenders may go above that.

2. Can I qualify for a payday loan or a cash advance? ^ Top

Yes, it’s easy! To be approved for a payday loan, you only need:

• To have had your current job for at least 90 days
• Be 18 years of age or older and a citizen or permanent resident of the United States
• To have a take home pay of at least $1000/month after taxes
• Have a current home and work phone number and valid email address

3. How much can I get? ^ Top

You can apply for anything between $100 and $1,500. The amount you are approved for will be determined by the lender assigned to your application.

4. How do I get the money? ^ Top

After your cash advance is approved, the money is electronically deposited directly into your checking account.

5. Can I still get a loan if I have bad credit or a bankruptcy? ^ Top

Yes! Your credit rating doesn’t matter. Bankruptcy, charge offs, bounced checks, and other credit issues don’t affect your ability to get a cash advance or paycheck loan.

6. How long does it take? ^ Top

As little as 5 minutes to fill in the application! Many loans are funded the very next business day!

7. Do I need a fax machine or printer? ^ Top

Yes. You need access to a printer to print the loan documents. The lender assigned to your application may require that you fax in additional information, such as a copy of your recent pay stub or bank statement. Kinkos, Office Depot, Office Max, Staples, Mail Boxes Etc. and other stores offer fax services if you do not have access to a fax machine.

8. How much does it cost? ^ Top

The fees will vary depending on the amount of your cash advance and the lender. Your lender will notify you of the exact fee for your loan at the time your application is submitted. It is worth noting that cash advance loans are designed for your emergency cash needs and are frequently less expensive than check fees, late charges and other costs you might incur due to late payments.

9. If I already have a cash advance loan outstanding, can I still qualify? ^ Top

Of course! Even with another loan outstanding you may still qualify for a cash advance loan. Just be sure to disclose the outstanding loan on your application form.

10. How and when do I repay the loan? ^ Top

The loan amount and loan fees are withdrawn from your checking account automatically on the due date of your loan. You don’t even need to think about it! You don’t need to make any payments or visit any store. You can also request an extension if you need it by contacting your lender before the due date. Additional fees do apply to loan extensions.

11. What if I’m late in repaying my loan? ^ Top

The cash advance lenders in our network follow different policies regarding late payments. You should review and understand the late-payment policy specified in the lender’s loan documents before appending your e-signature, as this constitutes a legal obligation to repay the loan. State laws regarding late-payment fees determine how much lenders can charge a delinquent borrower in penalties.

12. How do you protect my private information? ^ Top

Your privacy is protected by state-of-the-art security technology. Every piece of information is securely encrypted to ensure your complete privacy and security. You can find more details by reading through our Privacy Policy.

13. How does the Return Customer feature work? ^ Top

We want our returning customers to have maximum convenience, so we do the work for you! When you return locate the Return Customer login on the right side of the home page. Just enter the Customer ID and Password we sent you after your first application, and you will find your next application form is already filled out for you. Simply review the information to make sure it is correct, update your next pay dates and submit the application. It’s so fast and easy! Always keep your Customer ID and Password in a safe place so you can have instant service whenever you visit CashAdvance.com!

14. When can I apply for another loan? ^ Top

You can apply again after only 72 hours! And your application is free no matter how many times you apply. Remember, if you have already been approved for a loan, make sure you disclose that information on your next application.

15. How do I retrieve my Customer ID and Password if I lose it ^ Top

In the Return Customer Quickstart box on the home page you will find the words ‘Forgot Password?’ Just click and you will be prompted to enter your email address. Your Customer ID and Password will then be emailed to you instantly. If you receive a pop-up saying you are not in the system then you simply need to fill in a New Customer application form and a Customer ID and Password will be assigned to you.

16. Can I check my loan status using my Customer ID and Password? ^ Top

No. Your Customer ID and Password simply enable you to have your next application form filled in for you when you log in. To get your loan application status you will need to contact your lender. You will have those details in an email you will have received when you made your application. Lending regulations prohibit your assigned lender from sharing loan processing or approval information with CashAdvance.com.

17. How do I change or update my personal information? ^ Top

The next time you apply for a cash advance just log in as a Return Customer on our hompage and you will see your information already on the application form. Update any information that needs changing and when you submit the application this information will then be updated in our system.

18. Can I get an extension on repaying my loan? If so, how many times? ^ Top

State law determines if your lender may grant a loan extension, also known as a “rollover.” Some states allow multiple rollovers, while others forbid the practice entirely. Your lender will deal directly with any questions you have about extensions. It is important to contact your lender with extension requests before the due date on your loan. If you are late, a lender may charge additional fees and request immediate payment on the remaining balance. In the case of non-payment (loan default), you also may be subject to additional fees as described in the loan agreement, or allowed by law.

19. What if I can’t repay my loan at all? ^ Top

Lenders within the CashAdvance.com network are determined to pursue collections of past-due accounts to the fullest extent allowed by law. Additional fees, or even criminal charges, may apply if you do not repay your loan.