Loan Amounts



Loan Term


7 days–12 months

APR Range



Min. Credit Score


Not specified

Editorial Rating Review and Analysis

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Loan Amounts



Loan Term


7 days–12 months

APR Range



Min. Credit Score


Not specified



No fees

Funding Time


One business day

Founded in



BBB Rating


Not accredited

Min. Revenue


After-tax income of $1,000 per month



38 states Logo

Editorial Rating

You need to borrow money online instantly but aren’t sure how to go about it?

Luckily, 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 its 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 accept those whose terms you agree with.

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

Note that you should only consider short-term loans 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 the website and click on ‘Start Here.’

After that, you will need to provide your personal and financial information, such as:

  • First and last name
  • Amount requested
  • Date of birth
  • Social security number
  • Address, zip code, city, and state
  • Income source
  • Driver’s license or state ID and issuing state
  • Job title
  • Payment frequency
  • ABA/ routing number

Of course, this is just a part of an extensive list of information you’ll have to provide.

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 must meet the following requirements:

  • Be at least 18 years old
  • Be a U.S. citizen
  • Have a valid home and work number
  • Have a valid email address
  • Be employed for at least 90 days
  • Be employed with a steady stream of income (after-tax income of at least $1,000)
  • Allow to verify your employment

Due to regulations, a payday cash advance loan is not available in all states.

Loan term and amount

This varies by state. Depending on your location, you may need to repay the loan within seven days or 12 months.

The minimum amount you can borrow with a loan is $200, while the maximum is $10,000.

Credit score requirements

Cash Advance has no credit score requirements — you can apply even if you have a poor one. Additionally, the platform itself doesn’t do credit checks.

Nonetheless, the lender matches you with will probably perform a credit check before reaching a decision.

If you get approved, the lender will deposit funds to your checking account within one business day.

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

Payment and APR isn’t a direct lender — it only connects borrowers with lenders and doesn’t engage in collection practices. As such, it doesn’t set the implications of late or non-payment — the lender will determine and outline them in the loan agreement.

However, loans are short-term and usually must be repaid before your next payday.

Lastly, the lender (rather than is also responsible for determining the exact APR and other fees.

User Reviews

Are there any reviews online that report on the users’ experience with the platform? Take a look below.


As of July 7, 2022, the company has a Trustpilot profile with a 3.5-star rating. However, for some reason, there are no reviews on this profile.

Trustpilot allows companies to flag reviews for removal. Therefore, it is possible that, at one point, there were Cash Advance loans reviews on this profile, but the company removed them.


Even though the platform isn’t accredited with it, there is a BBB profile. However, it doesn’t reveal much about the user experience with the platform: BBB gave it an A rating.

As for complaints, we only encountered two but could not see what these referred to.

Other review platforms

As already stated, there aren’t any useful user reviews on popular third-party review platforms such as BBB and Trustpilot.

The truth is, there are very few customer reviews of this platform online. Although outdated, these suggest users see obtaining a loan from as an easy process.

However, some of them believe the rates are really high. Moreover, some users reported paying three times the amount they borrowed due to late payments.

Again, these are user experiences from relatively outdated reviews.


What’s strange is that there are no reviews on Reddit. Even though the reviews found there are usually not to be trusted completely, you can always find a post or two about the company of your interest. However, this wasn’t the case with


Let’s see what has to offer.

Rates & fees

The rates range from 15% to 1,564%.

To see how much you may end up paying, you can use the platform’s cost estimator.

To find out the total costs of the loan and any other fees associated with it (such as late payment fees or an origination fee), it’s 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 (e.g., IP address)
  • Credit report information
  • Geolocation data uses this information:

  • To provide you with the services requested
  • To contact you
  • For advertising purposes
  • For research purposes
  • To respond to law enforcement requests may also share your information:

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

Be aware that there is an option to limit the share of your personal information. You just need to contact CashAdvance customer support and make your request.

All the information you submit to will be encrypted with 256-bit encryption.

Customer Support

There are a couple of ways to reach the customer support. You can do that by

  • Finding the Cash Advance phone number
  • Sending an email
  • Submitting a form on the website Alternatives

How does compare to other financial service providers? vs. Ace Cash Express

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

Like, this company also offers short-term loans that come with high rates.

However, the maximum amount you can borrow if you are applying for a payday loan is $1,500. This is quite less than the maximum amount offered by lenders on

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.

Like, the platform allows you to borrow up to $10,000. However, the rates it offers are lower than those of — they range between 5.99% and 35.99%.

The loan terms range from three to 72 months, which gives borrowers more time to repay the loan that they would have with

For more details, check out our lending platform review.

Final Verdict

Now, let’s sum up what we see as advantages and disadvantages of

We appreciated that the platform has low borrower requirements, including not caring about its clients’ credit scores. This is important to those who have a poor one and are working on improving it.

We also liked that the whole process, from applying to receiving the funds, seems to take only a few days. This is a good option for those who need access to money fast.

What we didn’t like about the platform are its extremely high loan rates. Moreover, as pointed out in some reviews, you can expect to repay up to three times the borrowed amount if you’re late with payments.

Overall, whether or not you take a loan is up to you. We advise not doing that unless absolutely necessary. But if you don’t have a problem with paying more than you borrowed and need money urgently, platforms like are there for you to consider.


  • 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. It is 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 not a loan company, meaning it’s not a direct lender. Rather, it is a platform that connects you with lenders. Overall, some customers have praised its loan-approval process but thought the rates were too high. Before taking out a loan with one of their partner lenders, we suggest reading through reviews and researching the platform. That way, you’ll figure out if it would be a good fit.