Loan Amounts


$100 - $999

Loan Term


7 - 60 days

APR Range


15% - 1,564%

Min. Credit Score


Not specified

Editorial Rating Review and Analysis – 2021 Edition

Advertiser disclosure This page may contain links to our partners’ products and services, which allows us to keep our website sustainable. This means that may receive a compensation when you sign up and / or purchase a product or a service using our links. However, all opinions expressed in this article are solely ours, and this content is in no way provided or influenced by any of our partners.

Loan Amounts


$100 - $999

Loan Term


7 - 60 days

APR Range


15% - 1,564%

Min. Credit Score


Not specified



No fees

Funding Time


1 business day

Years in Business



BBB Rating


Not accredited

Min. Revenue


After-tax income of $1,000 per month



Most of the states Logo

Editorial Rating

Need to borrow money online instantly but not sure how to go about it?

There are different types of personal loans that can get you through a tough financial situation.

Our review will give you information about:

  • What type of personal loan services offers and who they are best for
  • How to borrow money from
  • The terms and requirements
  • Third-party reviews
  • The pros and cons of using
  • The costs associated with using
  • The privacy policy of
  • How to contact’s customer service
  • Frequently asked questions (FAQ) about

What Is CashAdvance? is an online lending network. It is a marketplace where you can view multiple loan offers from the vendor’s network of lenders.

How Does Work? is a lending platform that allows you to borrow money online. All you need to do is fill out the free online form on their website. Based on the information you provide, CashAdvance will match you with the best lender from their extensive network of lenders.

You can view loan offers and if you agree with the terms you can accept the offer.

Who Is Best For? is best for people in the need of emergency funding. This is also a good lending option if you need a bad credit loan.

Note that such short-term loans should only be considered if you are in a tough financial situation. Quick loans usually come with high rates.

We suggest checking out other options if you need long-term personal loans.

Getting Started With

To get started with, you need to fill out a free application form on their website.

Visit and click on ‘Start Here’.

You will need to provide the following information:

  • Amount requested
  • First name and last name
  • Address, Zip code, city, and state
  • Rent or own?
  • Driver’s license or state ID and issuing state
  • Do you own a car?
  • Date of birth
  • Social security number
  • Are you an active-duty military?
  • Income source
  • Employer name
  • Time employed
  • Employer’s phone
  • Job title
  • Payment frequency
  • ABA/ routing number
  • Account number
  • Account type
  • Years at bank
  • Do you have a direct deposit?
  • Monthly net income

After you submit your application, will try to match you with the best available lenders.

Terms & Requirements

To apply for a short-term loan, you need to meet the following requirements:

  • You must be at least 18 years old
  • You must be a U.S. citizen
  • You must be employed with a steady stream of income (after-tax income of $1,000 per month) and your employment needs to be verified
  • You must have a valid checking account
  • You must have a valid home and work number
  • You must have a valid email address

A payday cash advance loan is not available in all states, due to regulations.

To check if these types of quick money loans are available in your state, click here.

The loan term and the amount also vary by state. Depending on your location, you may need to repay the loan within 7 days or 60 days.

The minimum loan amount and maximum loan amount you can borrow between $100 and $999.

There is no minimum credit score requirement. You can apply even if you have a poor personal credit score or bankruptcy. While some lenders may deny your application if you have a bankruptcy, loan approval is still possible.

Using to apply for an online personal loan doesn’t require a credit check. Nonetheless, the lender you are matched with will probably perform a credit check before reaching a decision.

If approved, the funds will be deposited in your checking account within one business day.

Not paying your loan on time may negatively impact your credit score.

The implications of non-payment or late payment vary by lender and will be outlined in the loan agreement.

As is not a direct lender, they do not engage in collection practices. This also varies by lender and will be disclosed in your loan documents, so make sure to read them carefully. only connects borrowers with lenders and due to this, they can only provide you with the estimated annual percentage rate of the loan. The exact APR and all the other fees and terms of the loan are determined by the lender.

And lastly, loans are short-term loans that usually need to be repaid before your next payday.

User Reviews

We looked up reviews online, and we will now sum up what customers are saying.

The company has a Trustpilot profile with a 3.5-star rating. Strangely enough, there are no reviews on their profile. Trustpilot allows companies to flag reviews for removal, so we assume that at one point there were Cash Advance loans reviews on their Trustpilot profile, but the company removed them.

ConsumerAffairs is another popular review website, yet the company doesn’t have a profile there. While Cash Advance USA has a profile on ConsumerAffairs, this is a different company altogether and the reviews shouldn’t be mixed up with reviews.

We found a BBB profile, though the company is not accredited with the Better Business Bureau. They have a D- rating and only three complaints, so their profile doesn’t reveal much about them.

There was one review on the BBB regarding a scam. Gift card scams are pretty common, and you can read more about them here.

We also found a warning issued by the Washington State Department of Financial Institutions regarding a Cash Advance USA scam. also warns against scams on their website. For more details, click here.

There aren’t a lot of Reviews from 2020. Most of the positive cash advance online reviews are about how straightforward and easy the process was. People that needed fast cash advance left positive reviews too, stating that they didn’t have a lot of other options.

Almost every positive review mentioned that the rates were really high. Though customers were grateful that they were able to get quick personal loans for bad credit.

We also looked up reviews on Reddit. There weren’t any reviews about, however, some users that had taken out cash advance loans stated that if the loan is not paid on your next payday, the interest can go over $1,000 — making it almost impossible to pay out the loan.


Rates & Fees

As mentioned in one review, you may end up paying three times what you borrowed due to the high fees.

The rates range from 15% to 1,564%.

To see how much you may end up paying, you can use the cost estimator on their website.

To find out the full costs of the loan and any other fees associated with it, such as late payment fees or an origination fee, it is best to contact the direct lender.

Using to get matched with large authorized lenders is entirely free. The costs will depend on the lender, so you should turn to them with any questions you may have regarding your loan.

Privacy & Security collects the following information about you:

  • All the personal information you enter on their website (including your social security number and income information)
  • Tracking data (IP address etc.)
  • Credit report information
  • Geolocation data

The information collected is used:

  • To provide you with the services requested
  • To contact you
  • For advertising purposes
  • For research purposes
  • To respond to law enforcement requests.

Your information may be shared:

  • For everyday business purposes
  • For marketing purposes
  • With their affiliates and non-affiliates
  • With law enforcement agencies
  • With lenders

To limit the sharing of your information you can call them at (800) 380-2274 or email them at [email protected].

All the information you submit to their website will be encrypted.

Customer Support

If you want to contact customer support, the Cash Advance phone number is (800) 380-2274. You can also email them at [email protected].

Another way to get in touch with the customer support team is by filling out a contact form on their website. Alternatives

How does compare to other lenders? vs Ace Cash Express

Ace Cash Express also has low borrower requirements, with the exception that they reject applicants that have filed or intend to file for bankruptcy.

Otherwise, this company also offers short-term loans. The maximum amount you can borrow if you are applying for a payday loan is $1,500 — which is a bit more than what you can get from

Like, Ace Cash Express loans also come with high rates. A common theme in most fast loan advance reviews is the complaints about the rates.

For more details, check out our Ace Cash Express review. vs

As the name of the company suggests, you can apply even if you have bad credit.

You can borrow up to $5,000 and the rates range between 5.99% and 35.99%.

The loan terms range from 3 months to 36 months. This will give you more time to repay the loan and your monthly payments won’t be as high.

For more details, check out our lending platform review.

The target demographic of these companies are people with poor credit. So if you have good credit, you may want to check out other alternatives. The best personal loan companies usually have higher borrower requirements, but lower rates.

Final Verdict

Now, let’s sum up what we liked and didn’t like about

We liked the low borrower requirements the most. The majority of marketplace platforms have a minimum personal credit requirement, which makes it hard for borrowers in the United States to get fast funding. And if you find yourself stuck with an unexpected expense, you won’t have the time to look up ways to improve your credit score.

The whole process from applying to receiving the funds takes only a few days, making these types of loans perfect if you need fast cash.

Yet the ease of requesting and signing in for a loan comes for a price — the extremely high rates. Most installment loans come with an APR of about 30% for the whole duration of the loan. Fast loans start with an average rate if you can pay your loan on time. If you miss a payment, you may end up paying a rate of around $1,000. As pointed out in many of the reviews, if you can’t make the payment on time, you will pay more in interest than what you borrowed. With loans like this one, it is fairly easy to get trapped in a debt cycle.

CashAdvance has a notice on their website warning applicants that short-term loans only provide short-term relief. They don’t represent a long-term solution to your financial situation.


  • Reputable partner lenders
  • Offers unsecured loans for bad credit
  • No Cash Advance credit score requirements


  • High APR
  • You must be employed Logo

Editorial Rating


Is legit?

Yes, is a legitimate company. They are also a member of the Online Lenders Alliance.

Is CashAdvance safe? encrypts your information and only works with lenders that abide by Fair Debt Collection Practices.

How can I get a cash advance online?

To start your application process with, all you need to do is fill out the form on their website. For more details about the application process, scroll up to the ‘Getting Started with’ section of our review.

Is CashAdvance a good loan company? is a loan connection company — this means that they aren’t a direct lender, but rather a platform that connects you with lenders. Before taking out a loan with one of their partner lenders, make sure you have researched the company and read the terms and conditions of your agreement carefully. We also suggest looking up reviews, as well as user reviews of the lenders you are matched with.