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.
The popularity score indicates the percentage of customers choosing this company the last 90 days.
Customer Experience
96
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.
Company name
Cash Advance
Website
https://www.cashadvance.com/
Phone
(800) 380-2274
Email
support@cashadvance.com
Address
3315 E. Russell Rd. Ste A-4, Las Vegas, NV 89120
Written by
Joe Chappius
Pricing
20
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
20
Unfortunately, during our testing, the support team didn't bother to answer our enquiries via email.
Terms and Flexibility
60
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.
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
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.
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.
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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%.
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%.
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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CashAdvance.com Review 2025: Fast Short-Term Loans for Bad Credit