Cash Advance® Review (2025) - What to Know Before Applying for a Loan

- Nov 18, 2025

Adheres to

Cash Advance operates as a loan marketplace connecting borrowers with short-term lenders, but at potentially devastating costs.

While the application process is simple and accessible to those with poor credit, the astronomical APRs (up to 1564%) can trap borrowers in cycles of debt.

The lack of transparency regarding specific loan terms until after application is problematic and customer support is inadequate for addressing urgent concerns.

Use Cash Advance only as an absolute last resort.

A top lending marketplace in the U.S.
All credit types are acceptable.
A straightforward onilne application process.

Cash Advance - Financer Score™

Read reviews (5)

Financer score™ is our own point system which is updated live and based on several criteria that gives you a balanced view of the company quality.

Pricing

Extremely high interest rates ranging from 15% to a staggering 1564% APR, which are predatory and unsustainable for borrowers. There are no direct platform fees, but the overall loan costs are excessive and potentially harmful to financial wellbeing.

Customer Support

Unfortunately, during our testing, the support team didn't bother to answer our enquiries via email.

Terms and Flexibility

Loan terms depend entirely on individual lenders with limited upfront transparency. Terms range from 7 days to 1 year, and we like the fact that you have a calculator on the website where you can simulate the costs that a future loan will have.

Popularity

The popularity score indicates the percentage of customers choosing this company the last 90 days.

Customer Experience

While some customers appreciate the quick access to emergency funds and simple application process, CFPB data shows 80% of loans are rolled over, creating debt cycles. Most negative experiences center on extremely high interest rates.

Review this company

Cash Advance Loan – Details

Terms & fees

Loan amount$200 - $10,000

Term7 days - 1 year

Annual interest rate15% - 1564%

Origination feeVaries by lender

Monthly feesVaries by lender

Requirements

Minimum age18

Minimum income$0

National bank requiredYes

National phone number requiredYes

Citizenship requiredYes

Electronic identificationYes

Features

Cosigner possibleNo

Revocation periodNo

Accept bad credit historyYes

Weekend payoutNo

Loan extensionsNo

Early paybackYes

Payment within 24 hoursYes

Loan brokerYes

Interest free loanNo

Additional fields

Payment hours6am-7pm PST

High approval rateNo

Recommended companyYes

Company information – Details

Company nameCash Advance

Websitehttps://www.cashadvance.com/

Phone(800) 380-2274

Emailsupport@cashadvance.com

Address3315 E. Russell Rd. Ste A-4, Las Vegas, NV 89120

Get started

Cash Advance® is a loan broker that offers loans from $200 to $10,000.

The company has been in business for more than 25 years and is a trusted lender marketplace for short-term loans in most US states.

Applying for a loan on CashAdvance.com only triggers a soft credit check, making it easy for people to apply for a short-term loan online.

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How We Rate CashAdvance.com

At Financer, all lenders go through a thorough research and review process. Here's how we rate CashAdvance.com:

Category	Rating
Affordability	⭐⭐⭐
Application process	⭐⭐⭐⭐
Loan terms	⭐⭐⭐
Transparency	⭐⭐⭐⭐
Customer support	⭐⭐⭐
Overall	⭐⭐⭐⭐

Do We Recommend CashAdvance.com?

Yes, we recommend CashAdvance.com as a reliable lender marketplace. Skip to our full review below and see how we rate CashAdvance.com.

Here's what we'll cover in this review:

Want to skip the details? Jump to our final verdict here.

CashAdvance.com Overview

Founded in 1997, Cash Advance® is an online loan broker that offers loans from $200 to $10,000. It works with a large network of reputable lenders in the US.

Borrowers have up to 12 months to pay and the approval process is very fast.

CashAdvance.com is a member of the Online Lenders Alliance (OLA) and is dedicated to best practices and transparency.

CashAdvance.com is owned and operated by Hawk, LLC, which is in turn owned by the Ute Indian Tribe.

Read more:Compare tribal loans

Here's a quick summary of Cash Advance®:

Overview	Features
Loan type:	Short-term loans
Loan amount:	$200 - $10,000
Loan term:	Up to 12 months
APR:	15% - 1,564%
Min. credit score:	None
Monthly fees:	None
Payout time:	One business day
Weekend payout:	No
Requirements:	At least 18 years oldU.S. citizenValid checking accountBe employed for at least 3 monthsValid phone number and email

Cash Advance® is committed to providing loan options regardless of credit score. This is one of the main advantages of using Cash Advance®.

Want to find out more about the full range of offerings? Read our Cash Advance® review below or view Cash Advance® reviews from customers.

Visit Cash Advance® to get started

Who Is CashAdvance.com For?

Cash Advance® is aimed at borrowers who are looking for fast short-term loans online without requiring a good credit score.

By comparing multiple lenders, Cash Advance® can give you personalized loan offers from leading U.S. lenders and there are no application fees.

If you're looking for the best loan rates and you have an excellent credit score, you may want to consider other lenders that can offer you competitive rates.

Eligibility Requirements

Here are the loan requirements when applying for a Cash Advance® loan:

Be at least 18 years old
Be a U.S. citizen
Have an active bank account that accepts direct deposits
Be employed for at least three months
Have a valid contact number and an active email address.
No minimum credit score is required
You must meet your Lenders' specific minimum income requirements

Who It's For

Cash Advance® is for you if you:

Have a low credit score or bad credit history
Need funds fast
Want to get multiple loan offers
Don't have collateral
Want to complete an online application
Don't need a large, long-term loan

Who It's Not For

Cash Advance® may not be a good option for you if you:

Want the best loan APRs
Need a loan of more than $10,000
Want to take out a secure loan
Live in these states: AR, AZ, CT, GA, ME, MD, MA, MT, NH, NJ, NY, NC, OR, PA, TX, UT, VT, WV

How To Apply for a Cash Advance® Loan

Applying for a CashAdvance.com loan is fast and easy. Here are the steps:

Once a loan is approved, customers must communicate directly with their individual lenders to get personalized information.

Loan amounts range from $200 to $10,000 depending on the lender.

Each loan contract contains different requirements. It is essential that you thoroughly read your agreement before committing.

What To Consider Before Applying

Before you apply for a personal loan, confirm that you reside in one of the states where CashAdvance.com operates in.
Ensure you understand the costs involved in a Cash Advance® loan, always research the offers from lenders, and look for origination fees, prepayment penalties, late fees, and more.
We suggest you always double-check any policies and terms before agreeing to a loan from a lender as Cash Advance® just operates the marketplace and does not guarantee terms.
Although there is no minimum credit score required based on our CashAdvance.com review, lenders may do a hard credit check to determine your eligibility when you complete your loan application.

Cash Advance®Fees

APRs differ between lenders but can be as high as 1,584%.
There are no fees when using the CashAdvance.com site, although many lenders may charge their own fees. Fees are dependent on the lender, not Cash Advance®.
There are no prepayment penalties or hidden fees. Contact your lender directly If you are unsure whether you'll be able to afford the repayments.

Loan Terms: Example

CashAdvance.com has a tool available where borrowers can get an idea of what their installments may look like. You can move the sliders based on the loan amount and length you need and it will show you your likely terms.

Cash Advance® Payment Terms

The repayment terms range from a 7-day minimum to a 12-month maximum. Cash Advance® does not determine the rates and terms, as these are decided by the lending partners.

Most lenders allow payments to be debited automatically from your account every month to help you avoid late or missed payments. Payment schedules and late payments are worked out directly with the lender.

Be sure to read the terms of your loan offer before you agree and accept.

How Financer Rates Cash Advance®

Is Cash Advance® legit? Yes, at Financer we recommend Cash Advance®.****

At Financer, all lenders go through a thorough research and review process. We don't make recommendations lightly.

Loan applications are fast and easy and are done completely online. Their website is easy to navigate and discloses all the necessary information to potential borrowers to help them make informed decisions.

There are NO fees to apply and Cash Advance® works with reputable lenders.

One of the only downsides is that Cash Advance® is not available in all states.

Application Process

We've tried out CashAdvance.com and the application process took only a few minutes. Offers are presented to you immediately. See above.

Costs

Cash Advance® doesn't charge any fees, although some lenders may. This is standard for all lender marketplaces throughout the U.S.

Similar to many other short-term lenders in the U.S., the lenders' APRs start at 15%, however, some lenders charge APRs as high as 1,584%.

This is much higher than traditional personal loans.

Payments

The maximum loan term of 12 months is standard when compared to other short-term lenders. However, this means you won't get rates as low as with other personal loans that offer longer loan terms of up to 72 months or more.

Customer Service

Cash Advance® provides customer service via email and phone from Mondays to Fridays, 9 am to 6 pm.

Customers can also contact the OLA consumer hotline at 1-866-299-7585 with any concerns, or questions, or to report possible occurrences of fraud.

We tested out CashAdvance.com's customer service by requesting information via email. Although we did receive confirmation of our inquiry, we only received a formal reply a few days later, making their email support mediocre.

Privacy and Security

Cash Advance® takes privacy seriously by encrypting and protecting all information according to the legal requirements and 256-bit encryption.

Similar to other loan marketplaces and online lenders, Cash Advance® collects and shares user information with partners in their network.

Cash Advance Highlights

Cash Advance® is seen as one of the top lending marketplaces for U.S. borrowers as it has an extensive range of approved lenders onboard.

With the Cash Advance® platform, borrowers can apply for short-term loans online and get pre-qualified in minutes.

Loan payouts are typically fast (next business day) and the terms vary by lender.

One of the best features of Cash Advance® is their 100% free online application process which also offers a fast turnaround time.

There is no minimum credit score required and borrowers with bad credit can also apply. This makes Cash Advance® a good option for people with lower credit scores.

As Cash Advance® specializes in unsecured loans from a network of lenders, you don't need collateral to apply.

The only real drawback of Cash Advance® is that they don't operate in all U.S. states. Cash Advance® is available in most US states except:

Arkansas
Arizona
Connecticut
Georgia
Maine
Maryland
Massachusetts
Montana
New Hampshire
New Jersey
New York
North Carolina
Oregon
Pennsylvania
Texas
Utah
Vermont
West Virginia

Note: If you're looking for custom loan offers in these states, we list a range of verified lenders that offer personal loans online.

There is unfortunately no live chat option, so customers need to send an email to customer support with their inquiry. They do offer a fast turnaround time, though.

Compared to other U.S. lenders, there is no toll-free helpline available, which might be a dealbreaker for some potential borrowers.

Although the rates vary by lender, some lenders may charge APRs of up to 1,564%.

Apply for a Cash Advance® loan

Cash Advance® Alternatives

Here's a list of alternatives to Cash Advance® and how they compare:

Lender	Reviews	Loan Amount	APR	Max. Loan Term	Bad Credit?
CashAdvance.com	View	$200 – $10,000	15-1,548%	Up to 12 months	Yes
BadCreditLoans	View	$500 – $5,000	5.99-35.99%	Up to 2 years	Yes
CashUSA.com	View	$500 – $10,000	5.99-35.99%	Up to 6 years	Yes
Fast5KLoans	View	$500 – $35,000	5.99-35.99%	Up to 5 years	Yes
ACE Cash Express	View	$100 - $2,000	91.52% - 630.13%	Up to 1 month	Yes

Should you take a loan with Cash Advance®?

Cash Advance® has been around for more than two decades and has proven to be a reputable U.S. lending platform for short-term loans.

One of the best reasons for applying for a loan with CashAdvance.com is that borrowers get access to loan offers from a wide range of U.S. lenders.

Their customer service is responsive and they have a good feedback rating from past customers.

Read more Cash Advance® reviews from customers below or add your own.

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More Cash Advance® Reviews

What Users On the Web Are Saying

Cash Advance® gets 2.3 out of 5 stars on TrustPilot, with some users complaining about a slow process, while others seem to be happy:

On ConsumerAffairs, they get a 1.5 rating, with users complaining about high APRs, and others about lenders harassing them - although this is not on the part of CashAdvance.com but rather a reflection of the individual lender:

Other users were mostly happy with their service:

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