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Frequently Asked Questions

- common questions

CashAdvance.com is NOT a lender. We take your submitted cash advance request and work with our nationwide network of lenders to help effect a match for funding. There is no cost and no limits on using our service.

Below are a list of the top 20 questions from our customers. If your question is not answered here, or by going through our website, you may contact us by email at: support email address or by calling (800) 380-2274.

1. What is a Cash Advance?

It’s a short term loan that helps give you some extra cash when you need it before your next paycheck! The amount is usually between $100 and $999, however some lenders may go above that.

2. How does the site work?

You simply fill out all sections of our cash advance loan request form, and then hit the SUBMIT button. From there, your protected data will only be shared with qualified lenders. If you’ve been pre-approved, you’ll be contacted in less than a few minutes, by email or phone. You then call the lender to complete the process.

3. Why do you need my banking information and social security number?

We know that our customers want the best chance of getting a cash advance, with the best rates, as well as getting a very fast response. Since our lenders never get a chance to meet you, your banking and social security information is necessary for them to provide an answer.

CashAdvance.com is a secure website and the way we handle your personal information is covered in our Privacy Policy, which you may view. We are a member of the Online Lenders Association, as well as being compliant with state and federal consumer and credit laws.

4. Is my credit checked?

CashAdvance.com does not perform any activities that would affect your credit score.

5. What are the rates and terms?

Only a lender can provide you with this answer, and will do so when you are pre-approved. Remember, it is always up to you, whether or not you choose to accept the Cash Advance. You may also go to our State Info page, and mouse over your state, to get an idea of general rates and terms.

6. Why do i keep getting harassing phone calls? is this a scam?

First, there are a lot of companies that use the term ‘Cash Advance’ in their name or website. DON’T BE FOOLED. We are CashAdvance.com, and we’ve been in good standing and helping millions of customers since 1997.

We never charge for our services, and we never collect money. Our service is free and unlimited to use.

7. Can I qualify for a Cash Advance?

Yes, it’s easy! To be approved for a cash advance, 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
8. HOW MUCH MONEY CAN I GET with a cash advance?

You can request a cash advance from $100 to $1000. The amount you are approved for will be determined by the lender assigned to your cash advance request.

9. HOW DO I GET THE MONEY?

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

10. CAN I STILL GET A cash advance IF I HAVE BAD CREDIT OR A BANKRUPTCY?

Sure! 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.

11.  DO I NEED A FAX MACHINE OR PRINTER?

No, you do not need a fax machine or printer in order to use CashAdvance.com. Some, though not all, of the individual lenders we connect you to may require that you fax them additional information as part of your cash advance loan, such as a copy of a recent pay stub or bank statement. It is also advisable to print your loan contract for your records; however, it is not required in order for you to receive loan funds. Kinkos, Office Depot, Office Max, Staples and other stores offer fax and printing services if you do not have access to a fax machine or printer.

12. HOW MUCH DOES IT COST?

Using CashAdvance.com is completely free and you can use our service as often as needed. The only cost comes after you review and agree to an approving lender’s terms, by signing a loan contract. Fees of the loan will vary depending on your state, the lender’s terms, and the amount of your Cash Advance.

Cash advance loans are designed for your emergency cash needs and are often less expensive than check fees, late charges and other costs you might incur from overdue payments. Please borrow responsibly.

13. IF I ALREADY HAVE A CASH ADVANCE OUTSTANDING, CAN I STILL QUALIFY?

Yes, however it depends on the state you are applying from. Some states do not allow more than one Cash Advance outstanding, and lenders will check third party bureaus to see if you have an outstanding loan. You may check our State Info page to review your state’s guidelines.

14. HOW AND WHEN DO I REPAY THE cash advance?

The amount and fees relating to your cash advance are withdrawn from your checking account automatically on the due date of your loan. There is no need to make any payments or visit any store. You can also request an extension of the loan, if needed, by contacting your lender before the due date. Any extensions on repayment do carry additional fees.

15. WHAT IF I’M LATE IN REPAYING MY cash advance?

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.

16. HOW DOES THE RETURN CUSTOMER FEATURE WORK?

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 top of the home page, or visit the CashAdvance.com Account Center. Just enter the Customer ID and Password we sent you after your first loan request, and you will find your next loan request 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.

17. WHEN CAN I SUBMIT A REQUEST FOR ANOTHER cash advance?

You can submit a request at any time. However, we recommend you send our support center an email if you need additional assistance. Your cash advance request is always free no matter how many times you apply.

18. HOW DO I RETRIEVE MY CUSTOMER ID AND PASSWORD IF I LOSE IT?

In the Existing Customers login box at the top of the home page or http://cashadvance.com/account-center 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 submit a loan request and a Customer ID and Password will be assigned to you.

19. How do i check the status for my cash advance?

You will either receive an email or phone call within a few minutes, if you have been pre-approved. So make sure to check your email, spam folder, and voicemail. If you need further information, feel free to call customer service at (800) 380-2274.

20. HOW DO I CHANGE OR UPDATE MY PERSONAL INFORMATION?

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