Written by
Joe Chappius
Company name
Cash Advance
Website
https://www.cashadvance.com/
Phone
(800) 380-2274
support@cashadvance.com
Address
3315 E. Russell Rd. Ste A-4, Las Vegas, NV 89120
Cash Advance® Review (2025) - What to Know Before Applying for a Loan
— Review updated Sep 2025
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.
Cash Advance At glance
Pros & Cons
A top lending marketplace in the U.S.
All credit types are acceptable.
A straightforward onilne application process.
Application is 100% free
Qualify within minutes and receive your funds the next business day.
No credit check is required
Initial CashAdvance.com application won’t affect your credit score
Not available in all states
No online chat feature
No toll-free helpline for assistance
Some lenders may charge very high APRs
Details
Cash Advance Loan
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
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.
Get a cash advance nowHow 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 | ⭐⭐⭐⭐ |
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 startedWho 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.
Apply for a Cash Advance® loanCash 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.
Apply for a Loan Now \u003eMore 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:
More User Reviews - Add Your Rating
Read more reviews on Financer from verified users below.
Have you used CashAdvance.com before? Leave your review now.
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